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44813 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 44813 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 Bellville, OH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 44813.

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 44813 and start shopping.

Quickly and Easily Compare Average Rates for 44813

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

Average Policy Rates in 44813

Homeowners in Bellville are paying roughly $692 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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44813 Home Insurance Average Premiums

Local 44813 homeowners insurance quotes comparison

$442 /yr.

Shows Zip Code: 44813 lowest rates with discounts applied on average.

For the 44813, 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)		$442 /yr.
Average Coverage:$692 /yr.
2600 sq. ft. or higher
(all discounts applied)		$992 /yr.

What is the average home insurance cost for a home in 44813?

  • • The average homeowners insurance premium paid annually for a home in 44813 is around $692 per year.

What does it cost on average per month for home insurance in 44813?

  • • Homeowners in 44813 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 44813?

  • • Autoowners in 44813 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 Bellville, check out other zip codes nearby 44813.
To review average rates in another zip code, click on a zip code below:
44813  | 

Home Replacement Cost Coverage in 44813

Average Building Cost Per Square Foot in 44813: $111

Location: Bellville, Ohio (Richland County)

Average Square Footage in 44813: 1,538 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 44813 before you start any project. Bellville 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 44813 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 44813 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,538 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 Bellville 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$1111,538$170,700
Additional Upgrades & Added Features$1391,538$213,375
Major Home Updates or Advancements$1671,538$256,050

It's important to understand that when you estimate your replacement cost of your home in the 44813 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 44813

Best Home & Auto Insurance Agencies in 44813

Housing Demographics for 44813

Population Review for 44813 Zip Code

For the city of Bellville, the population within 44813 has increased to over 8,157 residents in population size. The current population total is 8,039. We have broken down the population based on race below. In 44813, there are over 3981 in male population and 4058 females.

PopulationValues
Total Population8,039
White Population7653
Black Population41
Hispanic Population80
Asian Population16
Hawaiian Population4
Indian Population6
Other Population33
Male Population3981
Female Population4058
Population Estimate8157

Household Data for 44813

The average number of homes in 44813 is around 3,106, there are an average of 2.58 per household. The average house value according to local real estate values is around $170,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,106
Persons Per Household2.58
Average House Value$170,700
Income Per Household$70264
Median Age43.6
Median Age Male42.7
Median Age Female44.5
44813 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code419/740/567
CityBellville
City Alias NameBELLVILLE
CountyRichland
County FIPS139
State FIPS39
Time Zone5
Day Light SavingY
MSA4800
PMSA
CSA360
CBSA31900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMansfield, OH
MSA_NameMansfield, OH MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses136
Number Of Employees1255
Business First Quarter Payroll8544
Business Annual Payroll38977
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population124475
CBSA Division Population0
Congressional District04|12
Congressional LandArea4664.87|2271.91
Delivery Residential3162
Delivery Business106
Delivery Total3802
Preferred Last Line KeyX20204
Classification Code
Multi-CountyY
CSA NameMansfield-Ashland-Bucyrus, OH
CBSA_DIV_Name
City State KeyX20204
Land Area68.215000
Water Area0.224000
City Alias Code
City Mixed CaseBellville
City Alias Mixed CaseBellville
Box Count126
SFDU2938
MFDU43
State ANSI39
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number380623
Unique ZIP Name
SSA State County Code36710
Medicare CBSA Code31900
Medicare CBSA NameMansfield, OH
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseRichland

Ohio Homeowners Insurance News & Information

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  • 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 […]

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    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.  […]