Get multiple home insurance quotes in 46814. Our licensed 46814, IN agents are ready to serve you.

46814 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 46814? Our rates are very competitive for homeowners living in Fort Wayne, IN. Many homeowners based out of your 46814 area 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 homeowners insurance quotes are free and our Indiana 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 46814 should appear in the zip code field ready to go. For Fort Wayne, IN Home Insurance Rate Quotes click to review the best rates and service online!

46814 Average Premium is Rated: Medium!

Homeowners living in 46814 can easily save up to 40% off the average home insurance premium of $661 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Fort Wayne that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 46814 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 46814!

46814 Home Insurance Average Premiums

Local 46814 homeowners insurance quotes comparison

$411 /yr.

Shows Zip Code: 46814 lowest rates with discounts applied on average.

For the 46814, 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)		$411 /yr.
Average Coverage:$661 /yr.
2600 sq. ft. or higher
(all discounts applied)		$961 /yr.

What is the average home insurance cost for a home in 46814?

  • • The average homeowners insurance premium paid annually for a home in 46814 is around $661 per year.

What does it cost on average per month for home insurance in 46814?

  • • Homeowners in 46814 pay a monthly average cost per month around $55.00.

What kind of discount could I get if I combine my home and auto insurance together in 46814?

  • • Autoowners in 46814 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 46814.
Review average rates in another zip code:
46835 homeowners insurance rates
46815 homeowners insurance rates
46845 homeowners insurance rates
46806 homeowners insurance rates
46816 homeowners insurance rates
46818 homeowners insurance rates
46802 homeowners insurance rates
46804 homeowners insurance rates
46809 homeowners insurance rates
46805 homeowners insurance rates

Home Replacement Cost Coverage in 46814

Average Building Cost Per Square Foot in 46814: $108

Location: Fort Wayne, Indiana (Allen County)

Average Square Footage in 46814: 2,938 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46814 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 46814 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 46814 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,938 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$1082,938$317,300
Additional Upgrades & Added Features$1352,938$396,625
Major Home Updates or Advancements$1622,938$475,950

It's important to understand that when you estimate your replacement cost of your home in the 46814 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 46814

Best Home & Auto Insurance Agencies in 46814

Bryan- Patrick R - State Farm Insurance Agent

Address: 10321 Illinois Rd Fort Wayne, IN 46814
Phone:
Website:
Info:

Housing Demographics for 46814

Population Review for 46814 Zip Code

For the city of Fort Wayne, the population within 46814 has increased to over 18,063 residents in population size. The current population total is 16,377. We have broken down the population based on race below. In 46814, there are over 7956 in male population and 8421 females.

PopulationValues
Total Population16,377
White Population13083
Black Population846
Hispanic Population746
Asian Population1102
Hawaiian Population7
Indian Population40
Other Population199
Male Population7956
Female Population8421
Population Estimate18063

Household Data for 46814

The average number of homes in 46814 is around 5,596, there are an average of 2.93 per household. The average house value according to local real estate values is around $317,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,596
Persons Per Household2.93
Average House Value$317,300
Income Per Household$121678
Median Age38.6
Median Age Male38.5
Median Age Female38.8
46814 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 Businesses232
Number Of Employees2028
Business First Quarter Payroll19250
Business Annual Payroll83458
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 Residential6165
Delivery Business128
Delivery Total6464
Preferred Last Line KeyX12225
Classification Code
Multi-CountyY
CSA NameFort Wayne-Huntington-Auburn, IN
CBSA_DIV_Name
City State KeyX12225
Land Area19.053000
Water Area0.020000
City Alias Code
City Mixed CaseFort Wayne
City Alias Mixed CaseFort Wayne
Box Count0
SFDU4768
MFDU0
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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    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 […]