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44254 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 44254? There are over 2,073 occupied homes in the 44254 area. With a population size of 4,784, it's not uncommon for residence of Lodi, OH to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Ohio is around $620 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 44254 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lodi, OH Home Insurance Rate Quotes

44254 Home Insurance Average Premiums

Local 44254 homeowners insurance quotes comparison

$370 /yr.

Shows Zip Code: 44254 lowest rates with discounts applied on average.

For the 44254, 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)		$370 /yr.
Average Coverage:$620 /yr.
2600 sq. ft. or higher
(all discounts applied)		$920 /yr.

What is the average home insurance cost for a home in 44254?

  • • The average homeowners insurance premium paid annually for a home in 44254 is around $620 per year.

What does it cost on average per month for home insurance in 44254?

  • • Homeowners in 44254 pay a monthly average cost per month around $52.00.

What kind of discount could I get if I combine my home and auto insurance together in 44254?

  • • Autoowners in 44254 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 Lodi, check out other zip codes nearby 44254.
To review average rates in another zip code, click on a zip code below:
44254  | 

Home Replacement Cost Coverage in 44254

Average Building Cost Per Square Foot in 44254: $111

Location: Lodi, Ohio (Medina County)

Average Square Footage in 44254: 1,377 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44254 before you start any project. Lodi 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 44254 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 44254 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,377 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 Lodi 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$1111,377$152,900
Additional Upgrades & Added Features$1391,377$191,125
Major Home Updates or Advancements$1671,377$229,350

It's important to understand that when you estimate your replacement cost of your home in the 44254 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 44254

Best Home & Auto Insurance Agencies in 44254

Housing Demographics for 44254

Population Review for 44254 Zip Code

For the city of Lodi, the population within 44254 has increased to over 5,085 residents in population size. The current population total is 4,784. We have broken down the population based on race below. In 44254, there are over 2412 in male population and 2372 females.

PopulationValues
Total Population4,784
White Population4477
Black Population30
Hispanic Population74
Asian Population28
Hawaiian Population0
Indian Population2
Other Population16
Male Population2412
Female Population2372
Population Estimate5085

Household Data for 44254

The average number of homes in 44254 is around 2,073, there are an average of 2.30 per household. The average house value according to local real estate values is around $152,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,073
Persons Per Household2.30
Average House Value$152,900
Income Per Household$56815
Median Age47.1
Median Age Male46.9
Median Age Female47.3
44254 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code234/330
CityLodi
City Alias NameLODI
CountyMedina
County FIPS103
State FIPS39
Time Zone5
Day Light SavingY
MSA1692
PMSA1680
CSA184
CBSA17410
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCleveland, OH
MSA_NameCleveland-Akron, OH CMSA
PMSA_NameCleveland-Lorain-Elyria, OH PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses93
Number Of Employees970
Business First Quarter Payroll9368
Business Annual Payroll41929
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07
Congressional LandArea3864.76
Delivery Residential2211
Delivery Business101
Delivery Total2439
Preferred Last Line KeyX21661
Classification Code
Multi-County
CSA NameCleveland-Akron-Canton, OH
CBSA_DIV_Name
City State KeyX21661
Land Area25.959000
Water Area0.053000
City Alias Code
City Mixed CaseLodi
City Alias Mixed CaseLodi
Box Count74
SFDU1908
MFDU95
State ANSI39
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number384557
Unique ZIP Name
SSA State County Code36530
Medicare CBSA Code17460
Medicare CBSA NameCleveland-Elyria, OH
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseMedina

Ohio Homeowners Insurance News & Information

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  • 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.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]