Get multiple home insurance quotes in 47596. Our licensed 47596, IN agents are ready to serve you.

47596 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 47596 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Westphalia, IN. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 47596 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Indiana, like average Westphalia homeowners insurance rates, coverage options or home insurance types, please select Westphalia, IN Home Insurance Rates Online!

47596 Home Insurance Average Premiums

Local 47596 homeowners insurance quotes comparison

$531 /yr.

Shows Zip Code: 47596 lowest rates with discounts applied on average.

For the 47596, 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)
$531 /yr.
Average Coverage:$781 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1081 /yr.

What is the average home insurance cost for a home in 47596?

  • • The average homeowners insurance premium paid annually for a home in 47596 is around $781 per year.

What does it cost on average per month for home insurance in 47596?

  • • Homeowners in 47596 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 47596?

  • • Autoowners in 47596 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 Westphalia area, check out other zip codes nearby 47596.
Review average rates in another zip code:
47596 homeowners insurance rates

Home Replacement Cost Coverage in 47596

Average Building Cost Per Square Foot in 47596: $108

Location: Westphalia, Indiana (Knox County)

Average Square Footage in 47596: 579 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47596 before you start any project. Westphalia 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 47596 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 47596 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 579 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 Westphalia 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$108579$62,500
Additional Upgrades & Added Features$135579$78,125
Major Home Updates or Advancements$162579$93,750

It's important to understand that when you estimate your replacement cost of your home in the 47596 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 47596

Best Home & Auto Insurance Agencies in 47596

Housing Demographics for 47596

Population Review for 47596 Zip Code

For the city of Westphalia, the population within 47596 has increased to over 0 residents in population size. The current population total is 191. We have broken down the population based on race below. In 47596, there are over 97 in male population and 94 females.

PopulationValues
Total Population191
White Population190
Black Population0
Hispanic Population1
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population97
Female Population94
Population Estimate0

Household Data for 47596

The average number of homes in 47596 is around 93, there are an average of 2.05 per household. The average house value according to local real estate values is around $62,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode93
Persons Per Household2.05
Average House Value$62,500
Income Per Household$0
Median Age43.8
Median Age Male42.9
Median Age Female45.5
47596 DetailsValues
StateIN
State Full NameIndiana
City TypeZ
City Alias Abbreviation
Area Code812
CityWestphalia
City Alias NameWESTPHALIA
CountyKnox
County FIPS083
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA47180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameVincennes, IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population38440
CBSA Division Population0
Congressional District08
Congressional LandArea7255.39
Delivery Residential0
Delivery Business0
Delivery Total1211
Preferred Last Line KeyX14033
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX14033
Land Area4.768000
Water Area0.000000
City Alias Code
City Mixed CaseWestphalia
City Alias Mixed CaseWestphalia
Box Count95
SFDU0
MFDU0
State ANSI18
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number179361
Unique ZIP Name
SSA State County Code15410
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseKnox

Indiana Homeowners Insurance News & Information

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  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]