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Are you paying too much for homeowners insurance in 46931? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Fulton, IN that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Indiana licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 46931?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 46931 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 46931 and get ready to save.

3 Easy Ways To Save Money In 46931

These three links will help you explore home insurance quotes in 46931 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 46931 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Fulton is roughly $738. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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46931 Home Insurance Average Premiums

Local 46931 homeowners insurance quotes comparison

$488 /yr.

Shows Zip Code: 46931 lowest rates with discounts applied on average.

For the 46931, 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)
$488 /yr.
Average Coverage:$738 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1038 /yr.

What is the average home insurance cost for a home in 46931?

  • • The average homeowners insurance premium paid annually for a home in 46931 is around $738 per year.

What does it cost on average per month for home insurance in 46931?

  • • Homeowners in 46931 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 46931?

  • • Autoowners in 46931 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 Fulton area, check out other zip codes nearby 46931.
Review average rates in another zip code:
46931 homeowners insurance rates

Home Replacement Cost Coverage in 46931

Average Building Cost Per Square Foot in 46931: $108

Location: Fulton, Indiana (Fulton County)

Average Square Footage in 46931: 756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46931 before you start any project. Fulton 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 46931 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 46931 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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 Fulton 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$108756$81,700
Additional Upgrades & Added Features$135756$102,125
Major Home Updates or Advancements$162756$122,550

It's important to understand that when you estimate your replacement cost of your home in the 46931 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 46931

Best Home & Auto Insurance Agencies in 46931

Housing Demographics for 46931

Population Review for 46931 Zip Code

For the city of Fulton, the population within 46931 has increased to over 0 residents in population size. The current population total is 286. We have broken down the population based on race below. In 46931, there are over 126 in male population and 160 females.

PopulationValues
Total Population286
White Population275
Black Population1
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population126
Female Population160
Population Estimate0

Household Data for 46931

The average number of homes in 46931 is around 111, there are an average of 2.58 per household. The average house value according to local real estate values is around $81,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode111
Persons Per Household2.58
Average House Value$81,700
Income Per Household$37969
Median Age41.8
Median Age Male39.7
Median Age Female45.0
46931 DetailsValues
StateIN
State Full NameIndiana
City TypeZ
City Alias Abbreviation
Area Code574
CityFulton
City Alias NameFULTON
CountyFulton
County FIPS049
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees29
Business First Quarter Payroll438
Business Annual Payroll1396
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential0
Delivery Business0
Delivery Total145
Preferred Last Line KeyX12275
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX12275
Land Area0.180000
Water Area0.000000
City Alias Code
City Mixed CaseFulton
City Alias Mixed CaseFulton
Box Count129
SFDU0
MFDU0
State ANSI18
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number173135
Unique ZIP Name
SSA State County Code15240
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseFulton

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 […]