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Homeowners Insurance in 47102

In Austin, IN, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 47102 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home 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. Best of all, you can get up to 12 competitive quotes for your home in 47102 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 47102 should appear in the zip code field ready to go.

47102 Homeowners Insurance Rates Are Considered: Medium!

If your looking for a standard homeowners policy in Indiana, you are going to see rates around the average home insurance premium per year of $761. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Austin home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 47102 Home Insurance Rates Now!

Best 3 Options to Compare in 47102

If you want homeowners insurance quotes within the city of Austin or in the 47102 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Austin, IN.

47102 Home Insurance Average Premiums

Local 47102 homeowners insurance quotes comparison

$511 /yr.

Shows Zip Code: 47102 lowest rates with discounts applied on average.

For the 47102, 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)
$511 /yr.
Average Coverage:$761 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1061 /yr.

What is the average home insurance cost for a home in 47102?

  • • The average homeowners insurance premium paid annually for a home in 47102 is around $761 per year.

What does it cost on average per month for home insurance in 47102?

  • • Homeowners in 47102 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 47102?

  • • Autoowners in 47102 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 Austin area, check out other zip codes nearby 47102.
Review average rates in another zip code:
47102 homeowners insurance rates

Home Replacement Cost Coverage in 47102

Average Building Cost Per Square Foot in 47102: $108

Location: Austin, Indiana (Scott County)

Average Square Footage in 47102: 922 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47102 before you start any project. Austin 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 47102 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 47102 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 922 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 Austin 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$108922$99,600
Additional Upgrades & Added Features$135922$124,500
Major Home Updates or Advancements$162922$149,400

It's important to understand that when you estimate your replacement cost of your home in the 47102 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 47102

Best Home & Auto Insurance Agencies in 47102

A + Auto Insurance

Address: 402 W Main St Austin, IN 47102
Phone:
Website:
Info:

American Family Insurance - Daniel H Smith

Address: 201 South 2nd Street Austin, IN 47102
Phone:
Website: http://www.insurance-agency.amfam.com/IN/daniel-h-smith/default.aspx?sourceid=yp3
Info:

Housing Demographics for 47102

Population Review for 47102 Zip Code

For the city of Austin, the population within 47102 has increased to over 7,206 residents in population size. The current population total is 6,884. We have broken down the population based on race below. In 47102, there are over 3384 in male population and 3500 females.

PopulationValues
Total Population6,884
White Population6478
Black Population30
Hispanic Population149
Asian Population18
Hawaiian Population3
Indian Population7
Other Population59
Male Population3384
Female Population3500
Population Estimate7206

Household Data for 47102

The average number of homes in 47102 is around 2,703, there are an average of 2.55 per household. The average house value according to local real estate values is around $99,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,703
Persons Per Household2.55
Average House Value$99,600
Income Per Household$37620
Median Age39.9
Median Age Male39.5
Median Age Female40.2
47102 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code812/930
CityAustin
City Alias NameAUSTIN
CountyScott
County FIPS143
State FIPS18
Time Zone5
Day Light SavingY
MSA4520
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_NameLouisville, KY-IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses56
Number Of Employees2095
Business First Quarter Payroll26173
Business Annual Payroll105493
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 District09
Congressional LandArea4486.77
Delivery Residential2826
Delivery Business97
Delivery Total3273
Preferred Last Line KeyX11502
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX11502
Land Area42.069000
Water Area0.067000
City Alias Code
City Mixed CaseAustin
City Alias Mixed CaseAustin
Box Count146
SFDU2533
MFDU0
State ANSI18
County ANSI143
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number170374
Unique ZIP Name
SSA State County Code15710
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID16
County Mixed CaseScott

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 […]