45036 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 45036 zip code it's important to know that our rates are very competitive for homeowners living in Lebanon, OH. Many homeowners based out of your 45036 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Ohio licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 45036 should appear in the zip code field ready to go. For Lebanon, OH Homeowners Insurance Quotes nearby, we offer the best rates and service.

45036: Average Home Insurance Rates

For homeowners living in the great city of Lebanon, the average homeowners policy is considered very low in comparison to other states. Ohio premiums are estimated to be around $672 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

Save on 45036 Home Insurance Quotes!

Average Building Cost Per Square Foot in 45036: $111

Average Square Footage in 45036: 2,241 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45036 before you start any project. Lebanon 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 45036 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 45036 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,241 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 Lebanon 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 45036 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.

Anderson Robert

American Family Insurance

Coyne H M Insurance Agency

Allstate Insurance Company

Debbie Collins Ins Agency Inc

Household Data for 45036

The average number of homes in 45036 is around 14,154, there are an average of 2.62 per household. The average house value according to local real estate values is around $248,700. Please review the following demographics below for average income and media age.

• 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 […]

• Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

  Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

• Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

  Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]