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Home Insurance in 46809

Our rates are very competitive for homeowners living in the 46809 zip code. Many homeowners based out of Fort Wayne, IN have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our IN licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 46809 should appear in the zip code field ready to go.

46809 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Fort Wayne area? The average homeowners premium in 46809 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 46809, you can expect to pay around $798 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 46809

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Indiana. Start your 46809 home insurance shopping today!

  1. Fort Wayne, IN Home Insurance Quotes

46809 Home Insurance Average Premiums

Local 46809 homeowners insurance quotes comparison

$548 /yr.

Shows Zip Code: 46809 lowest rates with discounts applied on average.

For the 46809, 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)
$548 /yr.
Average Coverage:$798 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1098 /yr.

What is the average home insurance cost for a home in 46809?

  • • The average homeowners insurance premium paid annually for a home in 46809 is around $798 per year.

What does it cost on average per month for home insurance in 46809?

  • • Homeowners in 46809 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 46809?

  • • Autoowners in 46809 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 Fort Wayne area, check out other zip codes nearby 46809.
Review average rates in another zip code:
46845 homeowners insurance rates
46802 homeowners insurance rates
46808 homeowners insurance rates
46807 homeowners insurance rates
46835 homeowners insurance rates
46816 homeowners insurance rates
46819 homeowners insurance rates
46815 homeowners insurance rates
46805 homeowners insurance rates
46804 homeowners insurance rates

Home Replacement Cost Coverage in 46809

Average Building Cost Per Square Foot in 46809: $108

Location: Fort Wayne, Indiana (Allen County)

Average Square Footage in 46809: 887 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46809 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 46809 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 46809 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 887 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$108887$95,800
Additional Upgrades & Added Features$135887$119,750
Major Home Updates or Advancements$162887$143,700

It's important to understand that when you estimate your replacement cost of your home in the 46809 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 46809

Allstate Insurance - Brian Secor

Address: 6704 Old Trail Road Fort Wayne, IN 46809
Phone: (260)747-6204
Website:

Best Home & Auto Insurance Agencies in 46809

Allstate Insurance - Brian Secor

Address: 6704 Old Trail Rd Fort Wayne, IN 46809
Phone:
Website:
Info:

Stickler- Connie R

Address: 7105 Old Trail Rd Fort Wayne, IN 46809
Phone:
Website:
Info:

Housing Demographics for 46809

Population Review for 46809 Zip Code

For the city of Fort Wayne, the population within 46809 has increased to over 9,066 residents in population size. The current population total is 8,946. We have broken down the population based on race below. In 46809, there are over 4385 in male population and 4561 females.

PopulationValues
Total Population8,946
White Population6773
Black Population985
Hispanic Population745
Asian Population84
Hawaiian Population7
Indian Population78
Other Population264
Male Population4385
Female Population4561
Population Estimate9066

Household Data for 46809

The average number of homes in 46809 is around 4,052, there are an average of 2.20 per household. The average house value according to local real estate values is around $95,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,052
Persons Per Household2.20
Average House Value$95,800
Income Per Household$48160
Median Age39.5
Median Age Male38.6
Median Age Female40.1
46809 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code260
CityFort Wayne
City Alias NameFORT WAYNE
CountyAllen
County FIPS003
State FIPS18
Time Zone5
Day Light SavingY
MSA2760
PMSA
CSA258
CBSA23060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFort Wayne, IN
MSA_NameFort Wayne, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses370
Number Of Employees10589
Business First Quarter Payroll150931
Business Annual Payroll636798
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population416257
CBSA Division Population0
Congressional District03
Congressional LandArea4180.37
Delivery Residential4121
Delivery Business446
Delivery Total5035
Preferred Last Line KeyX12225
Classification Code
Multi-County
CSA NameFort Wayne-Huntington-Auburn, IN
CBSA_DIV_Name
City State KeyX12225
Land Area24.732000
Water Area0.006000
City Alias Code
City Mixed CaseFort Wayne
City Alias Mixed CaseFort Wayne
Box Count0
SFDU3673
MFDU222
State ANSI18
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number172915
Unique ZIP Name
SSA State County Code15010
Medicare CBSA Code23060
Medicare CBSA NameFort Wayne, IN
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseAllen

Indiana Homeowners Insurance News & Information

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