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44804 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 44804 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 Arcadia, 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 44804 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 Arcadia homeowners insurance rates, coverage options or home insurance types, please select Arcadia, OH Home Insurance Rates Online!

44804 Home Insurance Average Premiums

Local 44804 homeowners insurance quotes comparison

$412 /yr.

Shows Zip Code: 44804 lowest rates with discounts applied on average.

For the 44804, 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)
$412 /yr.
Average Coverage:$662 /yr.
2600 sq. ft. or higher
(all discounts applied)
$962 /yr.

What is the average home insurance cost for a home in 44804?

  • • The average homeowners insurance premium paid annually for a home in 44804 is around $662 per year.

What does it cost on average per month for home insurance in 44804?

  • • Homeowners in 44804 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 44804?

  • • Autoowners in 44804 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 Arcadia, check out other zip codes nearby 44804.
To review average rates in another zip code, click on a zip code below:
44804  | 

Home Replacement Cost Coverage in 44804

Average Building Cost Per Square Foot in 44804: $111

Location: Arcadia, Ohio (Hancock County)

Average Square Footage in 44804: 1,472 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44804 before you start any project. Arcadia 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 44804 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 44804 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,472 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 Arcadia 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$1111,472$163,400
Additional Upgrades & Added Features$1391,472$204,250
Major Home Updates or Advancements$1671,472$245,100

It's important to understand that when you estimate your replacement cost of your home in the 44804 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 44804

Best Home & Auto Insurance Agencies in 44804

Housing Demographics for 44804

Population Review for 44804 Zip Code

For the city of Arcadia, the population within 44804 has increased to over 1,114 residents in population size. The current population total is 1,127. We have broken down the population based on race below. In 44804, there are over 582 in male population and 545 females.

PopulationValues
Total Population1,127
White Population1052
Black Population9
Hispanic Population38
Asian Population8
Hawaiian Population0
Indian Population3
Other Population7
Male Population582
Female Population545
Population Estimate1114

Household Data for 44804

The average number of homes in 44804 is around 432, there are an average of 2.61 per household. The average house value according to local real estate values is around $163,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode432
Persons Per Household2.61
Average House Value$163,400
Income Per Household$83648
Median Age42.9
Median Age Male40.3
Median Age Female47.1
44804 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/567
CityArcadia
City Alias NameARCADIA
CountyHancock
County FIPS063
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA248
CBSA22300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameFindlay, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses21
Number Of Employees134
Business First Quarter Payroll1454
Business Annual Payroll7468
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population74782
CBSA Division Population0
Congressional District05
Congressional LandArea5626.47
Delivery Residential427
Delivery Business7
Delivery Total498
Preferred Last Line KeyX20094
Classification Code
Multi-County
CSA NameFindlay-Tiffin, OH
CBSA_DIV_Name
City State KeyX20094
Land Area19.457000
Water Area0.000000
City Alias Code
City Mixed CaseArcadia
City Alias Mixed CaseArcadia
Box Count45
SFDU427
MFDU0
State ANSI39
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number380259
Unique ZIP Name
SSA State County Code36330
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseHancock

Ohio Homeowners Insurance News & Information

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  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]