Get multiple home insurance quotes in 45659. Our licensed 45659, OH agents are ready to serve you.

45659 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 45659 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Pedro, OH. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 45659 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Ohio, like average Pedro homeowners insurance rates, coverage options or home insurance types, please select Pedro, OH Home Insurance Rates Online!

45659 Home Insurance Average Premiums

Local 45659 homeowners insurance quotes comparison

$404 /yr.

Shows Zip Code: 45659 lowest rates with discounts applied on average.

For the 45659, 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)
$404 /yr.
Average Coverage:$654 /yr.
2600 sq. ft. or higher
(all discounts applied)
$954 /yr.

What is the average home insurance cost for a home in 45659?

  • • The average homeowners insurance premium paid annually for a home in 45659 is around $654 per year.

What does it cost on average per month for home insurance in 45659?

  • • Homeowners in 45659 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 45659?

  • • Autoowners in 45659 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 Pedro area, check out other zip codes nearby 45659.
Review average rates in another zip code:
45659 homeowners insurance rates

Home Replacement Cost Coverage in 45659

Average Building Cost Per Square Foot in 45659: $111

Location: Pedro, Ohio (Lawrence County)

Average Square Footage in 45659: 727 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45659 before you start any project. Pedro 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 45659 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 45659 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 727 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 Pedro 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$111727$80,700
Additional Upgrades & Added Features$139727$100,875
Major Home Updates or Advancements$167727$121,050

It's important to understand that when you estimate your replacement cost of your home in the 45659 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 45659

Best Home & Auto Insurance Agencies in 45659

Housing Demographics for 45659

Population Review for 45659 Zip Code

For the city of Pedro, the population within 45659 has increased to over 2,706 residents in population size. The current population total is 2,623. We have broken down the population based on race below. In 45659, there are over 1329 in male population and 1294 females.

PopulationValues
Total Population2,623
White Population2544
Black Population19
Hispanic Population21
Asian Population1
Hawaiian Population0
Indian Population10
Other Population5
Male Population1329
Female Population1294
Population Estimate2706

Household Data for 45659

The average number of homes in 45659 is around 994, there are an average of 2.59 per household. The average house value according to local real estate values is around $80,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode994
Persons Per Household2.59
Average House Value$80,700
Income Per Household$37990
Median Age40.0
Median Age Male39.3
Median Age Female40.7
45659 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740/220
CityPedro
City Alias NamePEDRO
CountyLawrence
County FIPS087
State FIPS39
Time Zone5
Day Light SavingY
MSA3400
PMSA
CSA170
CBSA26580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHuntington-Ashland, WV-KY-OH
MSA_NameHuntington-Ashland, WV-KY-OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees254
Business First Quarter Payroll1845
Business Annual Payroll8808
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population287702
CBSA Division Population0
Congressional District02
Congressional LandArea3221.62
Delivery Residential1045
Delivery Business11
Delivery Total1130
Preferred Last Line KeyX22386
Classification Code
Multi-County
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX22386
Land Area98.959000
Water Area0.622000
City Alias Code
City Mixed CasePedro
City Alias Mixed CasePedro
Box Count69
SFDU1005
MFDU0
State ANSI39
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number386489
Unique ZIP Name
SSA State County Code36450
Medicare CBSA Code26580
Medicare CBSA NameHuntington-Ashland, WV-KY-OH
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseLawrence

Ohio Homeowners Insurance News & Information

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]