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Searching for Homeowners Insurance in 45678

If you are a homeowners that lives in 45678 you may be searching for more affordable homeowners insurance in Scottown. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Scottown, OH. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Ohio licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 45678 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Scottown, OH home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 45678 Home Insurance Costs: very low!

In Scottown, homeowners are paying roughly $630 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 45678 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Scottown are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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45678 Home Insurance Average Premiums

Local 45678 homeowners insurance quotes comparison

$380 /yr.

Shows Zip Code: 45678 lowest rates with discounts applied on average.

For the 45678, 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)
$380 /yr.
Average Coverage:$630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$930 /yr.

What is the average home insurance cost for a home in 45678?

  • • The average homeowners insurance premium paid annually for a home in 45678 is around $630 per year.

What does it cost on average per month for home insurance in 45678?

  • • Homeowners in 45678 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 45678?

  • • Autoowners in 45678 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 Scottown area, check out other zip codes nearby 45678.
Review average rates in another zip code:
45678 homeowners insurance rates

Home Replacement Cost Coverage in 45678

Average Building Cost Per Square Foot in 45678: $111

Location: Scottown, Ohio (Lawrence County)

Average Square Footage in 45678: 840 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45678 before you start any project. Scottown 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 45678 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 45678 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 840 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 Scottown 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$111840$93,200
Additional Upgrades & Added Features$139840$116,500
Major Home Updates or Advancements$167840$139,800

It's important to understand that when you estimate your replacement cost of your home in the 45678 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 45678

Best Home & Auto Insurance Agencies in 45678

Housing Demographics for 45678

Population Review for 45678 Zip Code

For the city of Scottown, the population within 45678 has increased to over 1,247 residents in population size. The current population total is 1,140. We have broken down the population based on race below. In 45678, there are over 601 in male population and 539 females.

PopulationValues
Total Population1,140
White Population1091
Black Population1
Hispanic Population21
Asian Population3
Hawaiian Population0
Indian Population0
Other Population7
Male Population601
Female Population539
Population Estimate1247

Household Data for 45678

The average number of homes in 45678 is around 449, there are an average of 2.54 per household. The average house value according to local real estate values is around $93,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode449
Persons Per Household2.54
Average House Value$93,200
Income Per Household$45268
Median Age42.8
Median Age Male43.5
Median Age Female41.9
45678 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740/220
CityScottown
City Alias NameSCOTTOWN
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 Businesses5
Number Of Employees10
Business First Quarter Payroll54
Business Annual Payroll303
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 Residential491
Delivery Business5
Delivery Total508
Preferred Last Line KeyX22756
Classification Code
Multi-CountyY
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX22756
Land Area45.880000
Water Area0.241000
City Alias Code
City Mixed CaseScottown
City Alias Mixed CaseScottown
Box Count12
SFDU491
MFDU0
State ANSI39
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number387497
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 […]