Get multiple home insurance quotes in 46320. Our licensed 46320, IN agents are ready to serve you.

Compare 46320 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Hammond just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 5,483 neighbors looking to save on their home insurance policy in the local 46320 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 46320. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Indiana rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Hammond, IN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Hammond, IN

46320 Home Insurance Average Premiums

Local 46320 homeowners insurance quotes comparison

$526 /yr.

Shows Zip Code: 46320 lowest rates with discounts applied on average.

For the 46320, 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)		$526 /yr.
Average Coverage:$776 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1076 /yr.

What is the average home insurance cost for a home in 46320?

  • • The average homeowners insurance premium paid annually for a home in 46320 is around $776 per year.

What does it cost on average per month for home insurance in 46320?

  • • Homeowners in 46320 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 46320?

  • • Autoowners in 46320 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 Hammond area, check out other zip codes nearby 46320.
Review average rates in another zip code:
46323 homeowners insurance rates
46324 homeowners insurance rates
46320 homeowners insurance rates
46327 homeowners insurance rates

Home Replacement Cost Coverage in 46320

Average Building Cost Per Square Foot in 46320: $108

Location: Hammond, Indiana (Lake County)

Average Square Footage in 46320: 739 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46320 before you start any project. Hammond 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 46320 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 46320 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 739 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 Hammond 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$108739$79,800
Additional Upgrades & Added Features$135739$99,750
Major Home Updates or Advancements$162739$119,700

It's important to understand that when you estimate your replacement cost of your home in the 46320 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 46320

Best Home & Auto Insurance Agencies in 46320

Allstate Insurance Companies

Address: 5930 Hohman Ave Hammond, IN 46320
Phone:
Website:
Info:

Housing Demographics for 46320

Population Review for 46320 Zip Code

For the city of Hammond, the population within 46320 has increased to over 13,973 residents in population size. The current population total is 14,514. We have broken down the population based on race below. In 46320, there are over 6925 in male population and 7589 females.

PopulationValues
Total Population14,514
White Population3015
Black Population6823
Hispanic Population5304
Asian Population39
Hawaiian Population3
Indian Population155
Other Population2832
Male Population6925
Female Population7589
Population Estimate13973

Household Data for 46320

The average number of homes in 46320 is around 5,483, there are an average of 2.63 per household. The average house value according to local real estate values is around $79,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,483
Persons Per Household2.63
Average House Value$79,800
Income Per Household$30846
Median Age32.6
Median Age Male32.1
Median Age Female32.9
46320 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code219
CityHammond
City Alias NameHAMMOND
CountyLake
County FIPS089
State FIPS18
Time Zone6
Day Light SavingY
MSA1602
PMSA2960
CSA176
CBSA16980
CBSA_DIV29414
CBSA_TypeMetro
CBSA_NameChicago-Naperville-Elgin, IL-IN
MSA_NameChicago-Gary-Kenosha, IL-IN-WI CMSA
PMSA_NameGary, IN PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses384
Number Of Employees10898
Business First Quarter Payroll127749
Business Annual Payroll536479
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population9461105
CBSA Division Population708070
Congressional District01
Congressional LandArea1157.02
Delivery Residential5313
Delivery Business525
Delivery Total7161
Preferred Last Line KeyX12398
Classification Code
Multi-County
CSA NameChicago-Naperville, IL-IN-WI
CBSA_DIV_NameLake County-Porter County-Jasper County, IN
City State KeyX12398
Land Area4.657000
Water Area0.000000
City Alias Code
City Mixed CaseHammond
City Alias Mixed CaseHammond
Box Count0
SFDU3747
MFDU1506
State ANSI18
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number173586
Unique ZIP Name
SSA State County Code15440
Medicare CBSA Code23844
Medicare CBSA NameGary, IN
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseLake

Indiana Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    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 […]