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47456 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 47456? There are over 523 occupied homes in the 47456 area. With a population size of 1,302, it's not uncommon for residence of Quincy, IN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Indiana is around $789 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 47456 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Quincy, IN Home Insurance Rate Quotes

47456 Home Insurance Average Premiums

Local 47456 homeowners insurance quotes comparison

$539 /yr.

Shows Zip Code: 47456 lowest rates with discounts applied on average.

For the 47456, 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)		$539 /yr.
Average Coverage:$789 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1089 /yr.

What is the average home insurance cost for a home in 47456?

  • • The average homeowners insurance premium paid annually for a home in 47456 is around $789 per year.

What does it cost on average per month for home insurance in 47456?

  • • Homeowners in 47456 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 47456?

  • • Autoowners in 47456 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 Quincy area, check out other zip codes nearby 47456.
Review average rates in another zip code:
47456 homeowners insurance rates

Home Replacement Cost Coverage in 47456

Average Building Cost Per Square Foot in 47456: $108

Location: Quincy, Indiana (Owen County)

Average Square Footage in 47456: 1,504 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47456 before you start any project. Quincy 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 47456 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 47456 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,504 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 Quincy 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$1081,504$162,400
Additional Upgrades & Added Features$1351,504$203,000
Major Home Updates or Advancements$1621,504$243,600

It's important to understand that when you estimate your replacement cost of your home in the 47456 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 47456

Best Home & Auto Insurance Agencies in 47456

Housing Demographics for 47456

Population Review for 47456 Zip Code

For the city of Quincy, the population within 47456 has increased to over 1,312 residents in population size. The current population total is 1,302. We have broken down the population based on race below. In 47456, there are over 659 in male population and 643 females.

PopulationValues
Total Population1,302
White Population1219
Black Population5
Hispanic Population12
Asian Population4
Hawaiian Population0
Indian Population0
Other Population5
Male Population659
Female Population643
Population Estimate1312

Household Data for 47456

The average number of homes in 47456 is around 523, there are an average of 2.49 per household. The average house value according to local real estate values is around $162,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode523
Persons Per Household2.49
Average House Value$162,400
Income Per Household$60504
Median Age45.8
Median Age Male45.6
Median Age Female45.8
47456 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code765
CityQuincy
City Alias NameQUINCY
CountyOwen
County FIPS119
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA144
CBSA14020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBloomington, IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees62
Business First Quarter Payroll358
Business Annual Payroll2964
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population192714
CBSA Division Population0
Congressional District04|08
Congressional LandArea6352.55|7255.39
Delivery Residential527
Delivery Business12
Delivery Total545
Preferred Last Line KeyX13388
Classification Code
Multi-CountyY
CSA NameBloomington-Bedford, IN
CBSA_DIV_Name
City State KeyX13388
Land Area27.812000
Water Area0.144000
City Alias Code
City Mixed CaseQuincy
City Alias Mixed CaseQuincy
Box Count5
SFDU527
MFDU0
State ANSI18
County ANSI119
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number177183
Unique ZIP Name
SSA State County Code15590
Medicare CBSA Code14020
Medicare CBSA NameBloomington, IN
Medicare CBSA TypeMetro
Market Rating Area ID13
County Mixed CaseOwen

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 […]