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46383 Home Insurance Quotes, Rates & Coverage
Are you looking for the right homeowners insurance policy at an affordable price for your home in 46383? There are over 16,849 occupied homes in the 46383 area. With a population size of 41,981, it's not uncommon for residence of Valparaiso, IN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Indiana is around $732 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 46383 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.
For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Valparaiso, IN Home Insurance Rate Quotes
46383 Home Insurance Average Premiums
$482 /yr.
Shows Zip Code: 46383 lowest rates with discounts applied on average.
For the 46383, 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) | $482 /yr. |
| Average Coverage: | $732 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1032 /yr. |
What is the average home insurance cost for a home in 46383?
- • The average homeowners insurance premium paid annually for a home in 46383 is around $732 per year.
What does it cost on average per month for home insurance in 46383?
- • Homeowners in 46383 pay a monthly average cost per month around $61.00.
What kind of discount could I get if I combine my home and auto insurance together in 46383?
- • Autoowners in 46383 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 Valparaiso area, check out other zip codes nearby 46383.
Review average rates in another zip code:
46383 homeowners insurance rates
46385 homeowners insurance rates
Home Replacement Cost Coverage in 46383
Average Building Cost Per Square Foot in 46383: $108
Location: Valparaiso, Indiana (Porter County)Average Square Footage in 46383: 1,952 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 46383 before you start any project. Valparaiso 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 46383 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 46383 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,952 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 Valparaiso 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $108 | 1,952 | $210,800 |
| Additional Upgrades & Added Features | $135 | 1,952 | $263,500 |
| Major Home Updates or Advancements | $162 | 1,952 | $316,200 |
It's important to understand that when you estimate your replacement cost of your home in the 46383 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 46383
Allstate Insurance-Mike Galt Agency
Address: 829 Lincolnway Valparaiso, IN 46383Phone: (219)462-7436
Website: agent.allstate.com/84188
Best Home & Auto Insurance Agencies in 46383
Warnke- Sheree A - State Farm Insurance Agent
Address: 201 E Morthland Dr, #1 Valparaiso, IN 46383Phone:
Website:
Info:
Ross- David A - State Farm Insurance Agent
Address: 1158 Lincolnway, #3 Valparaiso, IN 46383Phone:
Website:
Info:
Rudakas- Robert E
Address: 2410 Laporte Ave, #110 Valparaiso, IN 46383Phone:
Website:
Info:
State Farm Insurance Co's - Auto & Fire Claims
Address: 2602 E Chicago St Valparaiso, IN 46383Phone:
Website:
Info:
Allstate Insurance-Mike Galt Agency
Address: 829 Lincolnway Valparaiso, IN 46383Phone:
Website: http://www.agent.allstate.com/84188
Info:
Housing Demographics for 46383
Population Review for 46383 Zip Code
For the city of Valparaiso, the population within 46383 has increased to over 40,713 residents in population size. The current population total is 41,981. We have broken down the population based on race below. In 46383, there are over 20465 in male population and 21516 females.
| Population | Values |
|---|---|
| Total Population | 41,981 |
| White Population | 35446 |
| Black Population | 1321 |
| Hispanic Population | 3693 |
| Asian Population | 696 |
| Hawaiian Population | 18 |
| Indian Population | 138 |
| Other Population | 1217 |
| Male Population | 20465 |
| Female Population | 21516 |
| Population Estimate | 40713 |
Household Data for 46383
The average number of homes in 46383 is around 16,849, there are an average of 2.34 per household. The average house value according to local real estate values is around $210,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 16,849 |
| Persons Per Household | 2.34 |
| Average House Value | $210,800 |
| Income Per Household | $64067 |
| Median Age | 38.6 |
| Median Age Male | 37.3 |
| Median Age Female | 40.0 |
| 46383 Details | Values |
|---|---|
| State | IN |
| State Full Name | Indiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 219 |
| City | Valparaiso |
| City Alias Name | VALPARAISO |
| County | Porter |
| County FIPS | 127 |
| State FIPS | 18 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 1602 |
| PMSA | 2960 |
| CSA | 176 |
| CBSA | 16980 |
| CBSA_DIV | 29414 |
| CBSA_Type | Metro |
| CBSA_Name | Chicago-Naperville-Elgin, IL-IN |
| MSA_Name | Chicago-Gary-Kenosha, IL-IN-WI CMSA |
| PMSA_Name | Gary, IN PMSA |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1364 |
| Number Of Employees | 22459 |
| Business First Quarter Payroll | 234620 |
| Business Annual Payroll | 997809 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 9461105 |
| CBSA Division Population | 708070 |
| Congressional District | 01|02 |
| Congressional LandArea | 1157.02|3958.58 |
| Delivery Residential | 17399 |
| Delivery Business | 1494 |
| Delivery Total | 18789 |
| Preferred Last Line Key | X13912 |
| Classification Code | |
| Multi-County | |
| CSA Name | Chicago-Naperville, IL-IN-WI |
| CBSA_DIV_Name | Lake County-Porter County-Jasper County, IN |
| City State Key | X13912 |
| Land Area | 87.547000 |
| Water Area | 0.595000 |
| City Alias Code | |
| City Mixed Case | Valparaiso |
| City Alias Mixed Case | Valparaiso |
| Box Count | 0 |
| SFDU | 13515 |
| MFDU | 2587 |
| State ANSI | 18 |
| County ANSI | 127 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 178976 |
| Unique ZIP Name | |
| SSA State County Code | 15630 |
| Medicare CBSA Code | 23844 |
| Medicare CBSA Name | Gary, IN |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Porter |
Indiana Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
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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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
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 […]
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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 […]