Compare 44627 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 44627 area? The average homeowners premium in Ohio for a standard homeowners policy is around $647/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 44627 zip code, the population size is around 7,692 with 1,749 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 44627.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Fredericksburg, OH Homeowners Insurance. Compare companies, quotes, coverages and more.

Average Building Cost Per Square Foot in 44627: $111

Average Square Footage in 44627: 2,877 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44627 before you start any project. Fredericksburg 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 44627 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 44627 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,877 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 Fredericksburg 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.

It's important to understand that when you estimate your replacement cost of your home in the 44627 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.

Household Data for 44627

The average number of homes in 44627 is around 1,749, there are an average of 4.40 per household. The average house value according to local real estate values is around $319,400. Please review the following demographics below for average income and media age.

• What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

  A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

• Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

  A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

• Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

  Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]