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Compare 45898 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Willshire just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 458 neighbors looking to save on their home insurance policy in the local 45898 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 45898. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Ohio rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Willshire, OH home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Willshire, OH

45898 Home Insurance Average Premiums

Local 45898 homeowners insurance quotes comparison

$399 /yr.

Shows Zip Code: 45898 lowest rates with discounts applied on average.

For the 45898, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$399 /yr.
Average Coverage:$649 /yr.
2600 sq. ft. or higher
(all discounts applied)
$949 /yr.

What is the average home insurance cost for a home in 45898?

  • • The average homeowners insurance premium paid annually for a home in 45898 is around $649 per year.

What does it cost on average per month for home insurance in 45898?

  • • Homeowners in 45898 pay a monthly average cost per month around $54.00.

What kind of discount could I get if I combine my home and auto insurance together in 45898?

  • • Autoowners in 45898 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Willshire area, check out other zip codes nearby 45898.
Review average rates in another zip code:
45898 homeowners insurance rates

Home Replacement Cost Coverage in 45898

Average Building Cost Per Square Foot in 45898: $111

Location: Willshire, Ohio (Van Wert County)

Average Square Footage in 45898: 721 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45898 before you start any project. Willshire homeowners pay on average around $111 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 45898 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 45898 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 721 sq. ft. and the average cost to rebuild the home in this area is around $111 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Willshire area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$111721$80,000
Additional Upgrades & Added Features$139721$100,000
Major Home Updates or Advancements$167721$120,000

It's important to understand that when you estimate your replacement cost of your home in the 45898 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 45898

Best Home & Auto Insurance Agencies in 45898

Housing Demographics for 45898

Population Review for 45898 Zip Code

For the city of Willshire, the population within 45898 has increased to over 879 residents in population size. The current population total is 1,251. We have broken down the population based on race below. In 45898, there are over 623 in male population and 628 females.

PopulationValues
Total Population1,251
White Population1218
Black Population2
Hispanic Population10
Asian Population4
Hawaiian Population0
Indian Population3
Other Population3
Male Population623
Female Population628
Population Estimate879

Household Data for 45898

The average number of homes in 45898 is around 458, there are an average of 2.73 per household. The average house value according to local real estate values is around $80,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode458
Persons Per Household2.73
Average House Value$80,000
Income Per Household$45625
Median Age37.2
Median Age Male36.9
Median Age Female37.5
45898 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/567
CityWillshire
City Alias NameWILLSHIRE
CountyVan Wert
County FIPS161
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA338
CBSA46780
CBSA_DIV
CBSA_TypeMicro
CBSA_NameVan Wert, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses13
Number Of Employees84
Business First Quarter Payroll466
Business Annual Payroll2403
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population28744
CBSA Division Population0
Congressional District05
Congressional LandArea5626.47
Delivery Residential322
Delivery Business5
Delivery Total510
Preferred Last Line KeyX23400
Classification Code
Multi-CountyY
CSA NameLima-Van Wert-Celina, OH
CBSA_DIV_Name
City State KeyX23400
Land Area29.216000
Water Area0.160000
City Alias Code
City Mixed CaseWillshire
City Alias Mixed CaseWillshire
Box Count167
SFDU322
MFDU0
State ANSI39
County ANSI161
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number389065
Unique ZIP Name
SSA State County Code36820
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseVan Wert

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