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43540 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 43540 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Metamora, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 43540.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 43540 and start shopping.

Quickly and Easily Compare Average Rates for 43540

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

Average Policy Rates in 43540

Homeowners in Metamora are paying roughly $608 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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43540 Home Insurance Average Premiums

Local 43540 homeowners insurance quotes comparison

$358 /yr.

Shows Zip Code: 43540 lowest rates with discounts applied on average.

For the 43540, 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)		$358 /yr.
Average Coverage:$608 /yr.
2600 sq. ft. or higher
(all discounts applied)		$908 /yr.

What is the average home insurance cost for a home in 43540?

  • • The average homeowners insurance premium paid annually for a home in 43540 is around $608 per year.

What does it cost on average per month for home insurance in 43540?

  • • Homeowners in 43540 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 43540?

  • • Autoowners in 43540 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.

You can easily shop and compare home insurance rates within Metamora, check out other zip codes nearby 43540.
To review average rates in another zip code, click on a zip code below:
43540  | 

Home Replacement Cost Coverage in 43540

Average Building Cost Per Square Foot in 43540: $111

Location: Metamora, Ohio (Fulton County)

Average Square Footage in 43540: 1,350 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 43540 before you start any project. Metamora 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 43540 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 43540 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,350 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 Metamora 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$1111,350$149,900
Additional Upgrades & Added Features$1391,350$187,375
Major Home Updates or Advancements$1671,350$224,850

It's important to understand that when you estimate your replacement cost of your home in the 43540 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 43540

Best Home & Auto Insurance Agencies in 43540

Housing Demographics for 43540

Population Review for 43540 Zip Code

For the city of Metamora, the population within 43540 has increased to over 1,372 residents in population size. The current population total is 1,459. We have broken down the population based on race below. In 43540, there are over 750 in male population and 709 females.

PopulationValues
Total Population1,459
White Population1375
Black Population2
Hispanic Population48
Asian Population3
Hawaiian Population0
Indian Population1
Other Population13
Male Population750
Female Population709
Population Estimate1372

Household Data for 43540

The average number of homes in 43540 is around 531, there are an average of 2.75 per household. The average house value according to local real estate values is around $149,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode531
Persons Per Household2.75
Average House Value$149,900
Income Per Household$96000
Median Age39.4
Median Age Male38.3
Median Age Female40.1
43540 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419
CityMetamora
City Alias NameMETAMORA
CountyFulton
County FIPS051
State FIPS39
Time Zone5
Day Light SavingY
MSA8400
PMSA
CSA
CBSA45780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameToledo, OH
MSA_NameToledo, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses25
Number Of Employees242
Business First Quarter Payroll4873
Business Annual Payroll21953
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population651429
CBSA Division Population0
Congressional District09
Congressional LandArea464.65
Delivery Residential499
Delivery Business6
Delivery Total2063
Preferred Last Line KeyX21852
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX21852
Land Area18.060000
Water Area0.065000
City Alias Code
City Mixed CaseMetamora
City Alias Mixed CaseMetamora
Box Count49
SFDU499
MFDU0
State ANSI39
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number385131
Unique ZIP Name
SSA State County Code36260
Medicare CBSA Code45780
Medicare CBSA NameToledo, OH
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseFulton

Ohio Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]