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46574 Homeowners Insurance Quotes & Rates

Walkerton residents living within the 3,237 homes available in the zip code of 46574 are shopping online to compare cheaper and more affordable Walkerton, IN home insurance rates. In the great city of Walkerton, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Indiana is around $747 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 46574 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 46574 home insurance rates today! Please give us a call now at 1-855-976-2656. For Walkerton, IN Homeowners Insurance Quotes, Click to easily get started!

46574 Home Insurance Average Premiums

Local 46574 homeowners insurance quotes comparison

$497 /yr.

Shows Zip Code: 46574 lowest rates with discounts applied on average.

For the 46574, 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)
$497 /yr.
Average Coverage:$747 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1047 /yr.

What is the average home insurance cost for a home in 46574?

  • • The average homeowners insurance premium paid annually for a home in 46574 is around $747 per year.

What does it cost on average per month for home insurance in 46574?

  • • Homeowners in 46574 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 46574?

  • • Autoowners in 46574 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 Walkerton area, check out other zip codes nearby 46574.
Review average rates in another zip code:
46574 homeowners insurance rates

Home Replacement Cost Coverage in 46574

Average Building Cost Per Square Foot in 46574: $108

Location: Walkerton, Indiana (St Joseph County)

Average Square Footage in 46574: 1,107 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46574 before you start any project. Walkerton 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 46574 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 46574 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,107 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 Walkerton 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$1081,107$119,600
Additional Upgrades & Added Features$1351,107$149,500
Major Home Updates or Advancements$1621,107$179,400

It's important to understand that when you estimate your replacement cost of your home in the 46574 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 46574

Best Home & Auto Insurance Agencies in 46574

Pavey- Dewayne

Address: 404 Illinois St Walkerton, IN 46574
Phone:
Website:
Info:

Beem June - State Farm Insurance Agent

Address: 614 Roosevelt Rd Walkerton, IN 46574
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

Housing Demographics for 46574

Population Review for 46574 Zip Code

For the city of Walkerton, the population within 46574 has increased to over 9,313 residents in population size. The current population total is 8,377. We have broken down the population based on race below. In 46574, there are over 4206 in male population and 4171 females.

PopulationValues
Total Population8,377
White Population7723
Black Population43
Hispanic Population295
Asian Population28
Hawaiian Population1
Indian Population31
Other Population84
Male Population4206
Female Population4171
Population Estimate9313

Household Data for 46574

The average number of homes in 46574 is around 3,237, there are an average of 2.57 per household. The average house value according to local real estate values is around $119,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,237
Persons Per Household2.57
Average House Value$119,600
Income Per Household$63178
Median Age42.4
Median Age Male41.8
Median Age Female42.9
46574 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code574
CityWalkerton
City Alias NameWALKERTON
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 Businesses96
Number Of Employees1421
Business First Quarter Payroll15876
Business Annual Payroll66305
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 Residential3624
Delivery Business124
Delivery Total3928
Preferred Last Line KeyX13959
Classification Code
Multi-CountyY
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX13959
Land Area97.517000
Water Area1.072000
City Alias Code
City Mixed CaseWalkerton
City Alias Mixed CaseWalkerton
Box Count63
SFDU3576
MFDU0
State ANSI18
County ANSI141
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number179119
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

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    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 […]

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]