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46590 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 46590? There are over 1,660 occupied homes in the 46590 area. With a population size of 5,053, it's not uncommon for residence of Winona Lake, IN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Indiana is around $800 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 46590 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Winona Lake, IN Home Insurance Rate Quotes

46590 Home Insurance Average Premiums

Local 46590 homeowners insurance quotes comparison

$550 /yr.

Shows Zip Code: 46590 lowest rates with discounts applied on average.

For the 46590, 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)		$550 /yr.
Average Coverage:$800 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1100 /yr.

What is the average home insurance cost for a home in 46590?

  • • The average homeowners insurance premium paid annually for a home in 46590 is around $800 per year.

What does it cost on average per month for home insurance in 46590?

  • • Homeowners in 46590 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 46590?

  • • Autoowners in 46590 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 Winona Lake area, check out other zip codes nearby 46590.
Review average rates in another zip code:
46590 homeowners insurance rates

Home Replacement Cost Coverage in 46590

Average Building Cost Per Square Foot in 46590: $108

Location: Winona Lake, Indiana (Kosciusko County)

Average Square Footage in 46590: 1,523 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46590 before you start any project. Winona Lake 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 46590 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 46590 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,523 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 Winona Lake 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$1081,523$164,500
Additional Upgrades & Added Features$1351,523$205,625
Major Home Updates or Advancements$1621,523$246,750

It's important to understand that when you estimate your replacement cost of your home in the 46590 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 46590

Best Home & Auto Insurance Agencies in 46590

Housing Demographics for 46590

Population Review for 46590 Zip Code

For the city of Winona Lake, the population within 46590 has increased to over 4,461 residents in population size. The current population total is 5,053. We have broken down the population based on race below. In 46590, there are over 2348 in male population and 2705 females.

PopulationValues
Total Population5,053
White Population4398
Black Population84
Hispanic Population449
Asian Population56
Hawaiian Population1
Indian Population20
Other Population206
Male Population2348
Female Population2705
Population Estimate4461

Household Data for 46590

The average number of homes in 46590 is around 1,660, there are an average of 2.48 per household. The average house value according to local real estate values is around $164,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,660
Persons Per Household2.48
Average House Value$164,500
Income Per Household$70586
Median Age28.6
Median Age Male29.2
Median Age Female28.3
46590 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code574
CityWinona Lake
City Alias NameWINONA LAKE
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 Businesses93
Number Of Employees1690
Business First Quarter Payroll10018
Business Annual Payroll43633
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 Residential1799
Delivery Business53
Delivery Total3925
Preferred Last Line KeyX14096
Classification Code
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX14096
Land Area2.784000
Water Area0.118000
City Alias Code
City Mixed CaseWinona Lake
City Alias Mixed CaseWinona Lake
Box Count112
SFDU1114
MFDU117
State ANSI18
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number179592
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

  • 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 […]