46402 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 46402 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Gary, IN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 46402.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 46402 and start shopping.

Quickly and Easily Compare Average Rates for 46402

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Gary, IN home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 46402

Homeowners in Gary are paying roughly $748 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 46402 Home Insurance Quotes right now!

Average Building Cost Per Square Foot in 46402: $108

Average Square Footage in 46402: 587 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46402 before you start any project. Gary 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 46402 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 46402 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 587 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 Gary 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.

It's important to understand that when you estimate your replacement cost of your home in the 46402 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.

Abel- Pascal W - State Farm Insurance Agent

Household Data for 46402

The average number of homes in 46402 is around 2,372, there are an average of 2.28 per household. The average house value according to local real estate values is around $63,400. Please review the following demographics below for average income and media age.

• 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 […]