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Are you paying too much for homeowners insurance in 47036? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Oldenburg, 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 47036?

  • 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 47036 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 47036 and get ready to save.

3 Easy Ways To Save Money In 47036

These three links will help you explore home insurance quotes in 47036 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 47036 Home Insurance Costs Rated: medium!

The average price for a homeowners insurance policy in Oldenburg is roughly $737. 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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47036 Home Insurance Average Premiums

Local 47036 homeowners insurance quotes comparison

$487 /yr.

Shows Zip Code: 47036 lowest rates with discounts applied on average.

For the 47036, 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)
$487 /yr.
Average Coverage:$737 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1037 /yr.

What is the average home insurance cost for a home in 47036?

  • • The average homeowners insurance premium paid annually for a home in 47036 is around $737 per year.

What does it cost on average per month for home insurance in 47036?

  • • Homeowners in 47036 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 47036?

  • • Autoowners in 47036 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 Oldenburg area, check out other zip codes nearby 47036.
Review average rates in another zip code:
47036 homeowners insurance rates

Home Replacement Cost Coverage in 47036

Average Building Cost Per Square Foot in 47036: $108

Location: Oldenburg, Indiana (Franklin County)

Average Square Footage in 47036: 1,965 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47036 before you start any project. Oldenburg 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 47036 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 47036 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,965 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 Oldenburg 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$1081,965$212,200
Additional Upgrades & Added Features$1351,965$265,250
Major Home Updates or Advancements$1621,965$318,300

It's important to understand that when you estimate your replacement cost of your home in the 47036 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 47036

Best Home & Auto Insurance Agencies in 47036

Housing Demographics for 47036

Population Review for 47036 Zip Code

For the city of Oldenburg, the population within 47036 has increased to over 756 residents in population size. The current population total is 1,002. We have broken down the population based on race below. In 47036, there are over 443 in male population and 559 females.

PopulationValues
Total Population1,002
White Population967
Black Population2
Hispanic Population6
Asian Population1
Hawaiian Population0
Indian Population2
Other Population1
Male Population443
Female Population559
Population Estimate756

Household Data for 47036

The average number of homes in 47036 is around 321, there are an average of 2.77 per household. The average house value according to local real estate values is around $212,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode321
Persons Per Household2.77
Average House Value$212,200
Income Per Household$77566
Median Age46.2
Median Age Male40.8
Median Age Female52.7
47036 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code765
CityOldenburg
City Alias NameOLDENBURG
CountyFranklin
County FIPS047
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA178
CBSA17140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCincinnati, OH-KY-IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses32
Number Of Employees200
Business First Quarter Payroll1431
Business Annual Payroll6817
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2130151
CBSA Division Population0
Congressional District09
Congressional LandArea4486.77
Delivery Residential273
Delivery Business2
Delivery Total494
Preferred Last Line KeyX13196
Classification Code
Multi-County
CSA NameCincinnati-Wilmington, OH-KY-IN
CBSA_DIV_Name
City State KeyX13196
Land Area17.802000
Water Area0.058000
City Alias Code
City Mixed CaseOldenburg
City Alias Mixed CaseOldenburg
Box Count152
SFDU272
MFDU0
State ANSI18
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number176523
Unique ZIP Name
SSA State County Code15230
Medicare CBSA Code17140
Medicare CBSA NameCincinnati, OH-KY-IN
Medicare CBSA TypeMetro
Market Rating Area ID14
County Mixed CaseFranklin

Indiana Homeowners Insurance News & Information

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    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]