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45657 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 45657? There are over 1,003 occupied homes in the 45657 area. With a population size of 2,504, it's not uncommon for residence of Otway, 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 $650 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 45657 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: Otway, OH Home Insurance Rate Quotes

45657 Home Insurance Average Premiums

Local 45657 homeowners insurance quotes comparison

$400 /yr.

Shows Zip Code: 45657 lowest rates with discounts applied on average.

For the 45657, 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)		$400 /yr.
Average Coverage:$650 /yr.
2600 sq. ft. or higher
(all discounts applied)		$950 /yr.

What is the average home insurance cost for a home in 45657?

  • • The average homeowners insurance premium paid annually for a home in 45657 is around $650 per year.

What does it cost on average per month for home insurance in 45657?

  • • Homeowners in 45657 pay a monthly average cost per month around $54.00.

What kind of discount could I get if I combine my home and auto insurance together in 45657?

  • • Autoowners in 45657 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 Otway, check out other zip codes nearby 45657.
To review average rates in another zip code, click on a zip code below:
45657  | 

Home Replacement Cost Coverage in 45657

Average Building Cost Per Square Foot in 45657: $111

Location: Otway, Ohio (Scioto County)

Average Square Footage in 45657: 667 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 45657 before you start any project. Otway 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 45657 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 45657 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 667 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 Otway 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$111667$74,000
Additional Upgrades & Added Features$139667$92,500
Major Home Updates or Advancements$167667$111,000

It's important to understand that when you estimate your replacement cost of your home in the 45657 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 45657

Best Home & Auto Insurance Agencies in 45657

Housing Demographics for 45657

Population Review for 45657 Zip Code

For the city of Otway, the population within 45657 has increased to over 2,567 residents in population size. The current population total is 2,504. We have broken down the population based on race below. In 45657, there are over 1266 in male population and 1238 females.

PopulationValues
Total Population2,504
White Population2354
Black Population3
Hispanic Population20
Asian Population9
Hawaiian Population1
Indian Population15
Other Population23
Male Population1266
Female Population1238
Population Estimate2567

Household Data for 45657

The average number of homes in 45657 is around 1,003, there are an average of 2.50 per household. The average house value according to local real estate values is around $74,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,003
Persons Per Household2.50
Average House Value$74,000
Income Per Household$55663
Median Age43.2
Median Age Male41.6
Median Age Female44.2
45657 DetailsValues
StateOH
State Full NameOhio
City TypeP
City Alias Abbreviation
Area Code740
CityOtway
City Alias NameOTWAY
CountyScioto
County FIPS145
State FIPS39
Time Zone5
Day Light SavingY
MSA
PMSA
CSA170
CBSA39020
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePortsmouth, OH
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees62
Business First Quarter Payroll422
Business Annual Payroll1825
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population79499
CBSA Division Population0
Congressional District02
Congressional LandArea3221.62
Delivery Residential1027
Delivery Business3
Delivery Total1163
Preferred Last Line KeyX22331
Classification Code
Multi-CountyY
CSA NameCharleston-Huntington-Ashland, WV-OH-KY
CBSA_DIV_Name
City State KeyX22331
Land Area94.677000
Water Area0.266000
City Alias Code
City Mixed CaseOtway
City Alias Mixed CaseOtway
Box Count48
SFDU1027
MFDU0
State ANSI39
County ANSI145
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number386363
Unique ZIP Name
SSA State County Code36740
Medicare CBSA Code99936
Medicare CBSA NameRural Areas in OH
Medicare CBSA TypeMicro
Market Rating Area ID10
County Mixed CaseScioto

Ohio Homeowners Insurance News & Information

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • 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 […]

  • 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.  […]