Check Out 46805 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Fort Wayne, IN.

We will gather some basic information about your home in Fort Wayne, IN and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Indiana licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 46805 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 46805

We have pulled together a variety of data related to homeowners insurance in Indiana. Simply click on one of the links below to learn about the average cost of homeowners insurance in Indiana as well as local coverage options.

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

46805 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 46805 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Indiana is roughly $733. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 46805 homeowners insurance policy!

Average Building Cost Per Square Foot in 46805: $108

Average Square Footage in 46805: 978 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46805 before you start any project. Fort Wayne 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 46805 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 46805 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 978 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 Fort Wayne 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.

It's important to understand that when you estimate your replacement cost of your home in the 46805 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.

Allstate Insurance - Merle K. Maples

Thomas G. Steckler Agency

G A Macdonald Associates Inc

Carroll- James A

Welker & Associates Insurance

Colligan & Company Inc

Sheehan Insurance

Household Data for 46805

The average number of homes in 46805 is around 9,324, there are an average of 2.20 per household. The average house value according to local real estate values is around $105,600. Please review the following demographics below for average income and media age.

• Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

  Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

• 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 […]