Get multiple home insurance quotes in 46041. Our licensed 46041, IN agents are ready to serve you.

Home Insurance Rates in 46041

For homeowners shopping online in 46041, our insurance rates are very competitive for homeowners living in Frankfort, IN. Many homeowners based out of the great city of Frankfort have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Indiana licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 46041, simply click the "Get Multiple Quotes Now" button. Your 46041 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Frankfort, IN Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

46041 Home Insurance Rating is: Medium!

If you live in 46041, you can easily save up to 40% off the average home insurance premium of $766 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Frankfort can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 46041 today!

Get Multiple Home Insurance Rates in 46041!

46041 Home Insurance Average Premiums

Local 46041 homeowners insurance quotes comparison

$516 /yr.

Shows Zip Code: 46041 lowest rates with discounts applied on average.

For the 46041, 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)
$516 /yr.
Average Coverage:$766 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1066 /yr.

What is the average home insurance cost for a home in 46041?

  • • The average homeowners insurance premium paid annually for a home in 46041 is around $766 per year.

What does it cost on average per month for home insurance in 46041?

  • • Homeowners in 46041 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 46041?

  • • Autoowners in 46041 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.

For shopping home insurance rates within the Frankfort area, check out other zip codes nearby 46041.
Review average rates in another zip code:
46041 homeowners insurance rates

Home Replacement Cost Coverage in 46041

Average Building Cost Per Square Foot in 46041: $108

Location: Frankfort, Indiana (Clinton County)

Average Square Footage in 46041: 1,135 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46041 before you start any project. Frankfort homeowners pay on average around $108 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 46041 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 46041 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,135 sq. ft. and the average cost to rebuild the home in this area is around $108 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 Frankfort 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$1081,135$122,600
Additional Upgrades & Added Features$1351,135$153,250
Major Home Updates or Advancements$1621,135$183,900

It's important to understand that when you estimate your replacement cost of your home in the 46041 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 46041

Best Home & Auto Insurance Agencies in 46041

Sterling Robert M Insurance Agency Inc

Address: 59 S Hoke Ave Frankfort, IN 46041
Phone:
Website:
Info:

Kaspar- Susan K - State Farm Insurance Agent

Address: 455 W Walnut St Frankfort, IN 46041
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Theofanis- Anthony G

Address: 1102 E Walnut St Frankfort, IN 46041
Phone:
Website:
Info:

Kerby- Ron D

Address: 2005 E Wabash St Frankfort, IN 46041
Phone:
Website:
Info:

Crop Insurance Specialists Gary W Gray

Address: 7509 N County Road 200 E Frankfort, IN 46041
Phone:
Website:
Info:

Housing Demographics for 46041

Population Review for 46041 Zip Code

For the city of Frankfort, the population within 46041 has increased to over 24,536 residents in population size. The current population total is 24,120. We have broken down the population based on race below. In 46041, there are over 11985 in male population and 12135 females.

PopulationValues
Total Population24,120
White Population18377
Black Population164
Hispanic Population5875
Asian Population61
Hawaiian Population9
Indian Population141
Other Population3131
Male Population11985
Female Population12135
Population Estimate24536

Household Data for 46041

The average number of homes in 46041 is around 8,925, there are an average of 2.65 per household. The average house value according to local real estate values is around $122,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,925
Persons Per Household2.65
Average House Value$122,600
Income Per Household$53250
Median Age37.2
Median Age Male36.3
Median Age Female38.1
46041 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code765
CityFrankfort
City Alias NameFRANKFORT
CountyClinton
County FIPS023
State FIPS18
Time Zone5
Day Light SavingY
MSA3920
PMSA
CSA320
CBSA23140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameFrankfort, IN
MSA_NameLafayette, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses459
Number Of Employees8842
Business First Quarter Payroll87662
Business Annual Payroll384867
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population33224
CBSA Division Population0
Congressional District04|05
Congressional LandArea6352.55|1924.76
Delivery Residential9259
Delivery Business586
Delivery Total10291
Preferred Last Line KeyX12242
Classification Code
Multi-CountyY
CSA NameLafayette-West Lafayette-Frankfort, IN
CBSA_DIV_Name
City State KeyX12242
Land Area248.422000
Water Area0.164000
City Alias Code
City Mixed CaseFrankfort
City Alias Mixed CaseFrankfort
Box Count150
SFDU8465
MFDU321
State ANSI18
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number172992
Unique ZIP Name
SSA State County Code15110
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseClinton

Indiana Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]