Get multiple home insurance quotes in 46545. Our licensed 46545, IN agents are ready to serve you.

Searching for Homeowners Insurance in 46545

If you are a homeowners that lives in 46545 you may be searching for more affordable homeowners insurance in Mishawaka. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Mishawaka, IN. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Indiana licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 46545 Home Insurance Rate Quotes Right Now!

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

Check Out 46545 Home Insurance Costs: medium!

In Mishawaka, homeowners are paying roughly $764 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 46545 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Mishawaka are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 46545 policy right now!

46545 Home Insurance Average Premiums

Local 46545 homeowners insurance quotes comparison

$514 /yr.

Shows Zip Code: 46545 lowest rates with discounts applied on average.

For the 46545, 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)
$514 /yr.
Average Coverage:$764 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1064 /yr.

What is the average home insurance cost for a home in 46545?

  • • The average homeowners insurance premium paid annually for a home in 46545 is around $764 per year.

What does it cost on average per month for home insurance in 46545?

  • • Homeowners in 46545 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 46545?

  • • Autoowners in 46545 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 Mishawaka area, check out other zip codes nearby 46545.
Review average rates in another zip code:
46545 homeowners insurance rates
46544 homeowners insurance rates

Home Replacement Cost Coverage in 46545

Average Building Cost Per Square Foot in 46545: $108

Location: Mishawaka, Indiana (St Joseph County)

Average Square Footage in 46545: 1,274 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46545 before you start any project. Mishawaka 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 46545 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 46545 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,274 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 Mishawaka 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$1081,274$137,600
Additional Upgrades & Added Features$1351,274$172,000
Major Home Updates or Advancements$1621,274$206,400

It's important to understand that when you estimate your replacement cost of your home in the 46545 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 46545

Best Home & Auto Insurance Agencies in 46545

Hedrick- John

Address: 2029 N Cedar St Mishawaka, IN 46545
Phone:
Website:
Info:

Affordable Insurance Agency Inc

Address: 717 E McKinley Ave Mishawaka, IN 46545
Phone:
Website:
Info:

Waterfield Insurance Agency

Address: 2410 Grape Rd Mishawaka, IN 46545
Phone:
Website: http://www.waterfield.com
Info:

Childs- Deborah D - State Farm Insurance Agent

Address: 16845 Douglas Rd Mishawaka, IN 46545
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

State Farm Insurance Companies Claim Office

Address: 3515 Park Pl W Mishawaka, IN 46545
Phone:
Website:
Info:

Housing Demographics for 46545

Population Review for 46545 Zip Code

For the city of Mishawaka, the population within 46545 has increased to over 26,778 residents in population size. The current population total is 26,312. We have broken down the population based on race below. In 46545, there are over 12550 in male population and 13762 females.

PopulationValues
Total Population26,312
White Population19593
Black Population2813
Hispanic Population1715
Asian Population1032
Hawaiian Population19
Indian Population129
Other Population594
Male Population12550
Female Population13762
Population Estimate26778

Household Data for 46545

The average number of homes in 46545 is around 11,958, there are an average of 2.13 per household. The average house value according to local real estate values is around $137,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,958
Persons Per Household2.13
Average House Value$137,600
Income Per Household$49927
Median Age37.0
Median Age Male35.2
Median Age Female38.9
46545 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code574
CityMishawaka
City Alias NameMISHAWAKA
CountySt Joseph
County FIPS141
State FIPS18
Time Zone5
Day Light SavingY
MSA7800
PMSA
CSA515
CBSA43780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSouth Bend-Mishawaka, IN-MI
MSA_NameSouth Bend, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1120
Number Of Employees23137
Business First Quarter Payroll231330
Business Annual Payroll1030880
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population319224
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential12572
Delivery Business1324
Delivery Total15050
Preferred Last Line KeyX12963
Classification Code
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX12963
Land Area18.320000
Water Area0.289000
City Alias Code
City Mixed CaseMishawaka
City Alias Mixed CaseMishawaka
Box Count0
SFDU7836
MFDU4366
State ANSI18
County ANSI141
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number175566
Unique ZIP Name
SSA State County Code15700
Medicare CBSA Code43780
Medicare CBSA NameSouth Bend-Mishawaka, IN-MI
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseSt Joseph

Indiana Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]