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46785 Home Insurance Rates & Premiums

Did you know there are over 1,650 people living within the 46785 zip code area? There are over 535 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 46785.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Indiana are on the rise. The estimated average premium is around $760 a year for a standard homeowners insurance policy in Saint Joe. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Saint Joe, IN Homeowners Insurance Quotes Online

46785 Home Insurance Average Premiums

Local 46785 homeowners insurance quotes comparison

$510 /yr.

Shows Zip Code: 46785 lowest rates with discounts applied on average.

For the 46785, 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)		$510 /yr.
Average Coverage:$760 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1060 /yr.

What is the average home insurance cost for a home in 46785?

  • • The average homeowners insurance premium paid annually for a home in 46785 is around $760 per year.

What does it cost on average per month for home insurance in 46785?

  • • Homeowners in 46785 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 46785?

  • • Autoowners in 46785 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 Saint Joe area, check out other zip codes nearby 46785.
Review average rates in another zip code:
46785 homeowners insurance rates

Home Replacement Cost Coverage in 46785

Average Building Cost Per Square Foot in 46785: $108

Location: Saint Joe, Indiana (Dekalb County)

Average Square Footage in 46785: 1,448 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46785 before you start any project. Saint Joe 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 46785 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 46785 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,448 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 Saint Joe 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$1081,448$156,400
Additional Upgrades & Added Features$1351,448$195,500
Major Home Updates or Advancements$1621,448$234,600

It's important to understand that when you estimate your replacement cost of your home in the 46785 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 46785

Best Home & Auto Insurance Agencies in 46785

Housing Demographics for 46785

Population Review for 46785 Zip Code

For the city of Saint Joe, the population within 46785 has increased to over 1,617 residents in population size. The current population total is 1,650. We have broken down the population based on race below. In 46785, there are over 824 in male population and 826 females.

PopulationValues
Total Population1,650
White Population1577
Black Population1
Hispanic Population37
Asian Population2
Hawaiian Population0
Indian Population0
Other Population16
Male Population824
Female Population826
Population Estimate1617

Household Data for 46785

The average number of homes in 46785 is around 535, there are an average of 3.08 per household. The average house value according to local real estate values is around $156,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode535
Persons Per Household3.08
Average House Value$156,400
Income Per Household$62429
Median Age34.0
Median Age Male33.0
Median Age Female35.4
46785 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code260
CitySaint Joe
City Alias NameSAINT JOE
CountyDekalb
County FIPS033
State FIPS18
Time Zone5
Day Light SavingY
MSA2760
PMSA
CSA258
CBSA12140
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAuburn, IN
MSA_NameFort Wayne, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses33
Number Of Employees721
Business First Quarter Payroll16505
Business Annual Payroll63786
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population42223
CBSA Division Population0
Congressional District03
Congressional LandArea4180.37
Delivery Residential525
Delivery Business11
Delivery Total696
Preferred Last Line KeyX13506
Classification Code
Multi-County
CSA NameFort Wayne-Huntington-Auburn, IN
CBSA_DIV_Name
City State KeyX13506
Land Area25.599000
Water Area0.039000
City Alias Code
City Mixed CaseSaint Joe
City Alias Mixed CaseSaint Joe
Box Count63
SFDU525
MFDU0
State ANSI18
County ANSI
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number177667
Unique ZIP Name
SSA State County Code15160
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseDekalb

Indiana Homeowners Insurance News & Information

  • 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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]