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Compare 47854 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Hillsdale just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 324 neighbors looking to save on their home insurance policy in the local 47854 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 47854. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Indiana rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Hillsdale, IN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Hillsdale, IN

47854 Home Insurance Average Premiums

Local 47854 homeowners insurance quotes comparison

$523 /yr.

Shows Zip Code: 47854 lowest rates with discounts applied on average.

For the 47854, 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)		$523 /yr.
Average Coverage:$773 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1073 /yr.

What is the average home insurance cost for a home in 47854?

  • • The average homeowners insurance premium paid annually for a home in 47854 is around $773 per year.

What does it cost on average per month for home insurance in 47854?

  • • Homeowners in 47854 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 47854?

  • • Autoowners in 47854 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 Hillsdale area, check out other zip codes nearby 47854.
Review average rates in another zip code:
47854 homeowners insurance rates

Home Replacement Cost Coverage in 47854

Average Building Cost Per Square Foot in 47854: $108

Location: Hillsdale, Indiana (Vermillion County)

Average Square Footage in 47854: 1,473 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47854 before you start any project. Hillsdale 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 47854 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 47854 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,473 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 Hillsdale 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$1081,473$159,100
Additional Upgrades & Added Features$1351,473$198,875
Major Home Updates or Advancements$1621,473$238,650

It's important to understand that when you estimate your replacement cost of your home in the 47854 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 47854

Best Home & Auto Insurance Agencies in 47854

Housing Demographics for 47854

Population Review for 47854 Zip Code

For the city of Hillsdale, the population within 47854 has increased to over 730 residents in population size. The current population total is 850. We have broken down the population based on race below. In 47854, there are over 460 in male population and 390 females.

PopulationValues
Total Population850
White Population818
Black Population3
Hispanic Population8
Asian Population1
Hawaiian Population0
Indian Population0
Other Population6
Male Population460
Female Population390
Population Estimate730

Household Data for 47854

The average number of homes in 47854 is around 324, there are an average of 2.51 per household. The average house value according to local real estate values is around $159,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode324
Persons Per Household2.51
Average House Value$159,100
Income Per Household$98438
Median Age43.9
Median Age Male47.0
Median Age Female40.3
47854 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code765
CityHillsdale
City Alias NameHILLSDALE
CountyVermillion
County FIPS165
State FIPS18
Time Zone5
Day Light SavingY
MSA8320
PMSA
CSA
CBSA45460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTerre Haute, IN
MSA_NameTerre Haute, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees177
Business First Quarter Payroll1092
Business Annual Payroll5912
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population172425
CBSA Division Population0
Congressional District08
Congressional LandArea7255.39
Delivery Residential291
Delivery Business12
Delivery Total338
Preferred Last Line KeyX12483
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX12483
Land Area34.411000
Water Area0.339000
City Alias Code
City Mixed CaseHillsdale
City Alias Mixed CaseHillsdale
Box Count34
SFDU291
MFDU0
State ANSI18
County ANSI165
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number173850
Unique ZIP Name
SSA State County Code15820
Medicare CBSA Code45460
Medicare CBSA NameTerre Haute, IN
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseVermillion

Indiana Homeowners Insurance News & Information

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    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 […]