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46845 Home Insurance Quotes & Rates

Currently, the 10,068 homes within the 46845 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Indiana is around $684 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Fort Wayne, IN, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 46845.

Indiana is now ranking #35 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Fort Wayne home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Indiana has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 46845 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Fort Wayne, Indiana home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Fort Wayne, IN Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

46845 Home Insurance Average Premiums

Local 46845 homeowners insurance quotes comparison

$434 /yr.

Shows Zip Code: 46845 lowest rates with discounts applied on average.

For the 46845, 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)
$434 /yr.
Average Coverage:$684 /yr.
2600 sq. ft. or higher
(all discounts applied)
$984 /yr.

What is the average home insurance cost for a home in 46845?

  • • The average homeowners insurance premium paid annually for a home in 46845 is around $684 per year.

What does it cost on average per month for home insurance in 46845?

  • • Homeowners in 46845 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 46845?

  • • Autoowners in 46845 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 46845.
Review average rates in another zip code:
46814 homeowners insurance rates
46816 homeowners insurance rates
46803 homeowners insurance rates
46804 homeowners insurance rates
46802 homeowners insurance rates
46815 homeowners insurance rates
46825 homeowners insurance rates
46809 homeowners insurance rates
46808 homeowners insurance rates
46835 homeowners insurance rates

Home Replacement Cost Coverage in 46845

Average Building Cost Per Square Foot in 46845: $108

Location: Fort Wayne, Indiana (Allen County)

Average Square Footage in 46845: 2,281 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46845 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 46845 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 46845 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,281 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$1082,281$246,300
Additional Upgrades & Added Features$1352,281$307,875
Major Home Updates or Advancements$1622,281$369,450

It's important to understand that when you estimate your replacement cost of your home in the 46845 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 46845

Best Home & Auto Insurance Agencies in 46845

Cornerstone Insurance

Address: 836 Mill Lake Rd Fort Wayne, IN 46845
Phone:
Website:
Info:

Integrity Insurance and Financial Services

Address: 10542 Coldwater Rd, Ste A Fort Wayne, IN 46845
Phone:
Website: http://www.iifs.us/
Info:

American Family Insurance - Kevin B Faus

Address: 839 Mill Lake Rd, Ste 100 Fort Wayne, IN 46845
Phone:
Website: http://www.insurance-agency.amfam.com/IN/kevin-b-faus/default.aspx?sourceid=yp3
Info:

Odisho, Ashoor - Integrity Insurance

Address: 10542 Coldwater Rd, #A Fort Wayne, IN 46845
Phone:
Website: http://www.iifs.us/
Info:

McKee, Arlene - American Family Insurance

Address: 839 Mill Lake Rd Fort Wayne, IN 46845
Phone:
Website: http://www.insurance-agency.amfam.com/IN/arlene-mckee/default.aspx?tid=agp0001014333
Info:

Housing Demographics for 46845

Population Review for 46845 Zip Code

For the city of Fort Wayne, the population within 46845 has increased to over 33,395 residents in population size. The current population total is 28,380. We have broken down the population based on race below. In 46845, there are over 14023 in male population and 14357 females.

PopulationValues
Total Population28,380
White Population24846
Black Population656
Hispanic Population1053
Asian Population958
Hawaiian Population5
Indian Population46
Other Population342
Male Population14023
Female Population14357
Population Estimate33395

Household Data for 46845

The average number of homes in 46845 is around 10,068, there are an average of 2.80 per household. The average house value according to local real estate values is around $246,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,068
Persons Per Household2.80
Average House Value$246,300
Income Per Household$100490
Median Age38.7
Median Age Male38.0
Median Age Female39.5
46845 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 Businesses458
Number Of Employees9260
Business First Quarter Payroll186707
Business Annual Payroll687660
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 Residential11927
Delivery Business226
Delivery Total18540
Preferred Last Line KeyX12225
Classification Code
Multi-County
CSA NameFort Wayne-Huntington-Auburn, IN
CBSA_DIV_Name
City State KeyX12225
Land Area22.878000
Water Area0.038000
City Alias Code
City Mixed CaseFort Wayne
City Alias Mixed CaseFort Wayne
Box Count0
SFDU8116
MFDU843
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

  • 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 […]