Get multiple home insurance quotes in 46526. Our licensed 46526, IN agents are ready to serve you.

Compare 46526 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 46526 area? The average homeowners premium in Indiana for a standard homeowners policy is around $765/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 46526 zip code, the population size is around 33,170 with 12,030 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 46526.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Goshen, IN Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. IN RateDiscountsSavingsShop Rates
$1,021up to 40% off$408

46526 Home Insurance Average Premiums

Local 46526 homeowners insurance quotes comparison

$515 /yr.

Shows Zip Code: 46526 lowest rates with discounts applied on average.

For the 46526, 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)
$515 /yr.
Average Coverage:$765 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1065 /yr.

What is the average home insurance cost for a home in 46526?

  • • The average homeowners insurance premium paid annually for a home in 46526 is around $765 per year.

What does it cost on average per month for home insurance in 46526?

  • • Homeowners in 46526 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 46526?

  • • Autoowners in 46526 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 Goshen area, check out other zip codes nearby 46526.
Review average rates in another zip code:
46526 homeowners insurance rates
46528 homeowners insurance rates

Home Replacement Cost Coverage in 46526

Average Building Cost Per Square Foot in 46526: $108

Location: Goshen, Indiana (Elkhart County)

Average Square Footage in 46526: 1,456 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46526 before you start any project. Goshen 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 46526 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 46526 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,456 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 Goshen 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$1081,456$157,300
Additional Upgrades & Added Features$1351,456$196,625
Major Home Updates or Advancements$1621,456$235,950

It's important to understand that when you estimate your replacement cost of your home in the 46526 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 46526

First Union Financial Svc

Address: 313 S 3rd St Goshen, IN 46526
Phone: (574)537-1721
Website:

Allstate Insurance

Address: 1709 E Bristol St # C Elkhart, IN 46526
Phone: (574)266-3621
Website: www.allstate.com

Holdread Insurance

Address: 2000 Elkhart Road Goshen, IN 46526
Phone: (574)534-0499
Website:

Best Home & Auto Insurance Agencies in 46526

First Union Financial Svc

Address: 313 S 3rd St Goshen, IN 46526
Phone:
Website:
Info:

Mishler- Thomas A

Address: 601 W Pike St Goshen, IN 46526
Phone:
Website:
Info:

National Network Agency- Inc

Address: 2606 Peddlers Village Rd Goshen, IN 46526
Phone:
Website:
Info:

Affordable Insurance

Address: 616 W Lincoln Ave Goshen, IN 46526
Phone:
Website:
Info:

Roth- S Scott

Address: 1507 S Main St Goshen, IN 46526
Phone:
Website:
Info:

Housing Demographics for 46526

Population Review for 46526 Zip Code

For the city of Goshen, the population within 46526 has increased to over 33,851 residents in population size. The current population total is 33,170. We have broken down the population based on race below. In 46526, there are over 16130 in male population and 17040 females.

PopulationValues
Total Population33,170
White Population23612
Black Population721
Hispanic Population8859
Asian Population493
Hawaiian Population10
Indian Population282
Other Population4626
Male Population16130
Female Population17040
Population Estimate33851

Household Data for 46526

The average number of homes in 46526 is around 12,030, there are an average of 2.68 per household. The average house value according to local real estate values is around $157,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,030
Persons Per Household2.68
Average House Value$157,300
Income Per Household$60519
Median Age35.9
Median Age Male34.0
Median Age Female37.9
46526 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code574
CityGoshen
City Alias NameGOSHEN
CountyElkhart
County FIPS039
State FIPS18
Time Zone5
Day Light SavingY
MSA2330
PMSA
CSA515
CBSA21140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameElkhart-Goshen, IN
MSA_NameElkhart-Goshen, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses842
Number Of Employees25321
Business First Quarter Payroll295736
Business Annual Payroll1328350
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population197559
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential12631
Delivery Business828
Delivery Total13412
Preferred Last Line KeyX12322
Classification Code
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX12322
Land Area67.067000
Water Area0.504000
City Alias Code
City Mixed CaseGoshen
City Alias Mixed CaseGoshen
Box Count0
SFDU9205
MFDU910
State ANSI18
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number173300
Unique ZIP Name
SSA State County Code15190
Medicare CBSA Code21140
Medicare CBSA NameElkhart-Goshen, IN
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseElkhart

Indiana Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

  • 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 […]