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46502 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 46502 zip code it's important to know that our rates are very competitive for homeowners living in Atwood, IN. Many homeowners based out of your 46502 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Indiana licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 46502 should appear in the zip code field ready to go. For Atwood, IN Homeowners Insurance Quotes nearby, we offer the best rates and service.

46502: Average Home Insurance Rates

For homeowners living in the great city of Atwood, the average homeowners policy is considered medium in comparison to other states. Indiana premiums are estimated to be around $802 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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46502 Home Insurance Average Premiums

Local 46502 homeowners insurance quotes comparison

$552 /yr.

Shows Zip Code: 46502 lowest rates with discounts applied on average.

For the 46502, 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)		$552 /yr.
Average Coverage:$802 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1102 /yr.

What is the average home insurance cost for a home in 46502?

  • • The average homeowners insurance premium paid annually for a home in 46502 is around $802 per year.

What does it cost on average per month for home insurance in 46502?

  • • Homeowners in 46502 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 46502?

  • • Autoowners in 46502 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 Atwood area, check out other zip codes nearby 46502.
Review average rates in another zip code:
46502 homeowners insurance rates

Home Replacement Cost Coverage in 46502

Average Building Cost Per Square Foot in 46502: $108

Location: Atwood, Indiana (Kosciusko County)

Average Square Footage in 46502: 1,528 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46502 before you start any project. Atwood 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 46502 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 46502 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,528 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 Atwood 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$1081,528$165,000
Additional Upgrades & Added Features$1351,528$206,250
Major Home Updates or Advancements$1621,528$247,500

It's important to understand that when you estimate your replacement cost of your home in the 46502 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 46502

Best Home & Auto Insurance Agencies in 46502

Housing Demographics for 46502

Population Review for 46502 Zip Code

For the city of Atwood, the population within 46502 has increased to over 0 residents in population size. The current population total is 34. We have broken down the population based on race below. In 46502, there are over 16 in male population and 18 females.

PopulationValues
Total Population34
White Population30
Black Population0
Hispanic Population2
Asian Population1
Hawaiian Population0
Indian Population0
Other Population1
Male Population16
Female Population18
Population Estimate0

Household Data for 46502

The average number of homes in 46502 is around 16, there are an average of 2.13 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16
Persons Per Household2.13
Average House Value$165,000
Income Per Household$0
Median Age53.0
Median Age Male55.3
Median Age Female52.7
46502 DetailsValues
StateIN
State Full NameIndiana
City TypeZ
City Alias Abbreviation
Area Code574
CityAtwood
City Alias NameATWOOD
CountyKosciusko
County FIPS085
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA515
CBSA47700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameWarsaw, IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees300
Business First Quarter Payroll2626
Business Annual Payroll12754
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population77358
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential0
Delivery Business0
Delivery Total199
Preferred Last Line KeyX11497
Classification CodeP
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX11497
Land Area0.016000
Water Area0.000000
City Alias Code
City Mixed CaseAtwood
City Alias Mixed CaseAtwood
Box Count65
SFDU0
MFDU0
State ANSI18
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number170341
Unique ZIP Name
SSA State County Code15420
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseKosciusko

Indiana Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • 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 […]