Get multiple home insurance quotes in 46323. Our licensed 46323, IN agents are ready to serve you.

46323, IN Homeowners Insurance Rates

With a population size of 22,510 and with 8,525 occupied homes in the 46323 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Hammond, IN are around $792 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Hammond, Indiana. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Indiana home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Hammond, IN.

For Indiana home insurance information, including average Hammond home insurance rates, coverage options or the different homeowners insurance types, please select Hammond, IN Home Insurance Quotes Now!

46323 Home Insurance Average Premiums

Local 46323 homeowners insurance quotes comparison

$542 /yr.

Shows Zip Code: 46323 lowest rates with discounts applied on average.

For the 46323, 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)
$542 /yr.
Average Coverage:$792 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1092 /yr.

What is the average home insurance cost for a home in 46323?

  • • The average homeowners insurance premium paid annually for a home in 46323 is around $792 per year.

What does it cost on average per month for home insurance in 46323?

  • • Homeowners in 46323 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 46323?

  • • Autoowners in 46323 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 46323.
Review average rates in another zip code:
46327 homeowners insurance rates
46323 homeowners insurance rates
46324 homeowners insurance rates
46320 homeowners insurance rates

Home Replacement Cost Coverage in 46323

Average Building Cost Per Square Foot in 46323: $108

Location: Hammond, Indiana (Lake County)

Average Square Footage in 46323: 1,056 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46323 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 46323 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 46323 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,056 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$1081,056$114,000
Additional Upgrades & Added Features$1351,056$142,500
Major Home Updates or Advancements$1621,056$171,000

It's important to understand that when you estimate your replacement cost of your home in the 46323 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 46323

Best Home & Auto Insurance Agencies in 46323

N Glass Jr Insurance Agency In - State Farm Insurance Agent

Address: 2824 173rd St Hammond, IN 46323
Phone:
Website:
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Bryan- William J - State Farm Insurance Agent

Address: 3512 169th St Hammond, IN 46323
Phone:
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State Farm Insurance Companies

Address: 6608 Kennedy Ave Hammond, IN 46323
Phone:
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Housing Demographics for 46323

Population Review for 46323 Zip Code

For the city of Hammond, the population within 46323 has increased to over 22,198 residents in population size. The current population total is 22,510. We have broken down the population based on race below. In 46323, there are over 11035 in male population and 11475 females.

PopulationValues
Total Population22,510
White Population9560
Black Population5738
Hispanic Population7931
Asian Population337
Hawaiian Population6
Indian Population222
Other Population3467
Male Population11035
Female Population11475
Population Estimate22198

Household Data for 46323

The average number of homes in 46323 is around 8,525, there are an average of 2.61 per household. The average house value according to local real estate values is around $114,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,525
Persons Per Household2.61
Average House Value$114,000
Income Per Household$53007
Median Age35.0
Median Age Male33.7
Median Age Female36.1
46323 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 Businesses306
Number Of Employees4382
Business First Quarter Payroll52832
Business Annual Payroll232345
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 Residential8505
Delivery Business349
Delivery Total9193
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 Area6.201000
Water Area0.042000
City Alias Code
City Mixed CaseHammond
City Alias Mixed CaseHammond
Box Count117
SFDU7251
MFDU1188
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

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    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

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    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]