Get multiple home insurance quotes in 46226. Our licensed 46226, IN agents are ready to serve you.

46226 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 46226 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Indianapolis, IN. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 46226 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Indiana, like average Indianapolis homeowners insurance rates, coverage options or home insurance types, please select Indianapolis, IN Home Insurance Rates Online!

46226 Home Insurance Average Premiums

Local 46226 homeowners insurance quotes comparison

$548 /yr.

Shows Zip Code: 46226 lowest rates with discounts applied on average.

For the 46226, 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)
$548 /yr.
Average Coverage:$798 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1098 /yr.

What is the average home insurance cost for a home in 46226?

  • • The average homeowners insurance premium paid annually for a home in 46226 is around $798 per year.

What does it cost on average per month for home insurance in 46226?

  • • Homeowners in 46226 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 46226?

  • • Autoowners in 46226 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 46226.
Review average rates in another zip code:
46268 homeowners insurance rates
46216 homeowners insurance rates
46236 homeowners insurance rates
46239 homeowners insurance rates
46217 homeowners insurance rates
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46254 homeowners insurance rates
46231 homeowners insurance rates
46240 homeowners insurance rates
46220 homeowners insurance rates

Home Replacement Cost Coverage in 46226

Average Building Cost Per Square Foot in 46226: $108

Location: Indianapolis, Indiana (Marion County)

Average Square Footage in 46226: 968 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46226 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 46226 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 46226 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 968 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$108968$104,500
Additional Upgrades & Added Features$135968$130,625
Major Home Updates or Advancements$162968$156,750

It's important to understand that when you estimate your replacement cost of your home in the 46226 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 46226

Angel Agency Inc

Address: 3707 North Shadeland Avenue Suite 203 Indianapolis, IN 46226
Phone: (317)562-0452
Website:

Allstate Insurance - Mike Moorcroft

Address: 8021 Pendleton Pike Indianapolis, IN 46226
Phone: (317)897-9226
Website:

Best Home & Auto Insurance Agencies in 46226

Brelage Ins Agency Inc - Nationwide Insurance

Address: 5451 Emerson Way Indianapolis, IN 46226
Phone:
Website: http://www.nationwide.com/agent/Indianapolis-INDIANA-insurance-agent/gregory-brelage/office.html
Info:

H Peter Schindel Agency - Nationwide Insurance

Address: 8015 Pendleton Pike, Ste J Indianapolis, IN 46226
Phone:
Website: http://www.nationwide.com/agent/Indianapolis-INDIANA-insurance-agent/schindel/office.html
Info:

Adams-Jones- Charlotte - State Farm Insurance Agent

Address: 5034 E 56th St Indianapolis, IN 46226
Phone:
Website:
Info:

Melissa M Lopez Agency - Nationwide Insurance

Address: 8015 Pendleton Pike Indianapolis, IN 46226
Phone:
Website: http://www.nationwide.com/melissalopez
Info:

Allstate Insurance Companies - Sales Offices- Indianapolis

Address: 5680 Caito Dr, #190 Indianapolis, IN 46226
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 46226

Population Review for 46226 Zip Code

For the city of Indianapolis, the population within 46226 has increased to over 45,830 residents in population size. The current population total is 43,997. We have broken down the population based on race below. In 46226, there are over 20902 in male population and 23095 females.

PopulationValues
Total Population43,997
White Population10772
Black Population24017
Hispanic Population7970
Asian Population313
Hawaiian Population20
Indian Population323
Other Population5164
Male Population20902
Female Population23095
Population Estimate45830

Household Data for 46226

The average number of homes in 46226 is around 17,483, there are an average of 2.51 per household. The average house value according to local real estate values is around $104,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,483
Persons Per Household2.51
Average House Value$104,500
Income Per Household$37798
Median Age35.0
Median Age Male33.4
Median Age Female36.4
46226 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code317/463
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 Businesses720
Number Of Employees10024
Business First Quarter Payroll119042
Business Annual Payroll500304
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 Residential18259
Delivery Business912
Delivery Total19744
Preferred Last Line KeyX12558
Classification Code
Multi-County
CSA NameIndianapolis-Carmel-Muncie, IN
CBSA_DIV_Name
City State KeyX12558
Land Area14.803000
Water Area0.011000
City Alias Code
City Mixed CaseIndianapolis
City Alias Mixed CaseIndianapolis
Box Count301
SFDU13373
MFDU2373
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $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 […]