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Homeowners Insurance in 46208

In Indianapolis, IN, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 46208 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 46208 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 46208 should appear in the zip code field ready to go.

46208 Homeowners Insurance Rates Are Considered: Medium!

If your looking for a standard homeowners policy in Indiana, you are going to see rates around the average home insurance premium per year of $741. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Indianapolis home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 46208 Home Insurance Rates Now!

Best 3 Options to Compare in 46208

If you want homeowners insurance quotes within the city of Indianapolis or in the 46208 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Indianapolis, IN.

46208 Home Insurance Average Premiums

Local 46208 homeowners insurance quotes comparison

$491 /yr.

Shows Zip Code: 46208 lowest rates with discounts applied on average.

For the 46208, 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)
$491 /yr.
Average Coverage:$741 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1041 /yr.

What is the average home insurance cost for a home in 46208?

  • • The average homeowners insurance premium paid annually for a home in 46208 is around $741 per year.

What does it cost on average per month for home insurance in 46208?

  • • Homeowners in 46208 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 46208?

  • • Autoowners in 46208 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 Indianapolis area, check out other zip codes nearby 46208.
Review average rates in another zip code:
46228 homeowners insurance rates
46290 homeowners insurance rates
46204 homeowners insurance rates
46254 homeowners insurance rates
46214 homeowners insurance rates
46240 homeowners insurance rates
46280 homeowners insurance rates
46268 homeowners insurance rates
46256 homeowners insurance rates
46225 homeowners insurance rates

Home Replacement Cost Coverage in 46208

Average Building Cost Per Square Foot in 46208: $108

Location: Indianapolis, Indiana (Marion County)

Average Square Footage in 46208: 1,235 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46208 before you start any project. Indianapolis 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 46208 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 46208 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,235 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 Indianapolis 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$1081,235$133,400
Additional Upgrades & Added Features$1351,235$166,750
Major Home Updates or Advancements$1621,235$200,100

It's important to understand that when you estimate your replacement cost of your home in the 46208 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 46208

Allstate Insurance-Jennifer LeSure- CPA- MBA

Address: 2625 N Meridian St Ste 52 Indianapolis, IN 46208
Phone: (317)925-9360
Website: agent.allstate.com/59263

Best Home & Auto Insurance Agencies in 46208

ACE Cash Express

Address: 3762 N Meridian St Indianapolis, IN 46208
Phone:
Website: http://www.acecashexpress.com/
Info:

Lydia J Harris Agency

Address: 2625 N Meridian St, #St-157 Indianapolis, IN 46208
Phone:
Website:
Info:

Kolp, Jeff - State Farm Insurance Agent

Address: 3951 N Meridian St Indianapolis, IN 46208
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=143943
Info:

Young- Gregory V - State Farm Insurance Agent

Address: 3231 N Meridian St, #401 Indianapolis, IN 46208
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

American Family Insurance - Lydia J Harris

Address: 2625 N Meridian St, Ste 106 Indianapolis, IN 46208
Phone:
Website: http://www.insurance-agency.amfam.com/IN/lydia-j-harris/default.aspx?sourceid=yp3
Info:

Housing Demographics for 46208

Population Review for 46208 Zip Code

For the city of Indianapolis, the population within 46208 has increased to over 22,613 residents in population size. The current population total is 23,996. We have broken down the population based on race below. In 46208, there are over 11470 in male population and 12526 females.

PopulationValues
Total Population23,996
White Population10527
Black Population10548
Hispanic Population1759
Asian Population291
Hawaiian Population15
Indian Population68
Other Population1065
Male Population11470
Female Population12526
Population Estimate22613

Household Data for 46208

The average number of homes in 46208 is around 9,261, there are an average of 2.27 per household. The average house value according to local real estate values is around $133,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,261
Persons Per Household2.27
Average House Value$133,400
Income Per Household$41076
Median Age30.5
Median Age Male31.3
Median Age Female29.7
46208 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code317
CityIndianapolis
City Alias NameINDIANAPOLIS
CountyMarion
County FIPS097
State FIPS18
Time Zone5
Day Light SavingY
MSA3480
PMSA
CSA294
CBSA26900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameIndianapolis-Carmel-Greenwood, IN
MSA_NameIndianapolis, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses409
Number Of Employees8510
Business First Quarter Payroll82048
Business Annual Payroll351520
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1756241
CBSA Division Population0
Congressional District07
Congressional LandArea303.84
Delivery Residential9962
Delivery Business480
Delivery Total10806
Preferred Last Line KeyX12558
Classification Code
Multi-County
CSA NameIndianapolis-Carmel-Muncie, IN
CBSA_DIV_Name
City State KeyX12558
Land Area6.896000
Water Area0.184000
City Alias Code
City Mixed CaseIndianapolis
City Alias Mixed CaseIndianapolis
Box Count237
SFDU7594
MFDU2020
State ANSI18
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number174037
Unique ZIP Name
SSA State County Code15480
Medicare CBSA Code26900
Medicare CBSA NameIndianapolis-Carmel-Anderson, IN
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseMarion

Indiana Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]