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46147 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 46147 zip code it's important to know that our rates are very competitive for homeowners living in Jamestown, IN. Many homeowners based out of your 46147 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we 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. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 46147 should appear in the zip code field ready to go. For Jamestown, IN Homeowners Insurance Quotes nearby, we offer the best rates and service.

46147: Average Home Insurance Rates

For homeowners living in the great city of Jamestown, the average homeowners policy is considered medium in comparison to other states. Indiana premiums are estimated to be around $770 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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46147 Home Insurance Average Premiums

Local 46147 homeowners insurance quotes comparison

$520 /yr.

Shows Zip Code: 46147 lowest rates with discounts applied on average.

For the 46147, 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)		$520 /yr.
Average Coverage:$770 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1070 /yr.

What is the average home insurance cost for a home in 46147?

  • • The average homeowners insurance premium paid annually for a home in 46147 is around $770 per year.

What does it cost on average per month for home insurance in 46147?

  • • Homeowners in 46147 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 46147?

  • • Autoowners in 46147 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.

You can easily shop and compare home insurance rates within Jamestown, check out other zip codes nearby 46147.
To review average rates in another zip code, click on a zip code below:
46147  | 

Home Replacement Cost Coverage in 46147

Average Building Cost Per Square Foot in 46147: $108

Location: Jamestown, Indiana (Boone County)

Average Square Footage in 46147: 1,712 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46147 before you start any project. Jamestown 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 46147 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 46147 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,712 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 Jamestown 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$1081,712$184,900
Additional Upgrades & Added Features$1351,712$231,125
Major Home Updates or Advancements$1621,712$277,350

It's important to understand that when you estimate your replacement cost of your home in the 46147 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 46147

Best Home & Auto Insurance Agencies in 46147

Housing Demographics for 46147

Population Review for 46147 Zip Code

For the city of Jamestown, the population within 46147 has increased to over 2,724 residents in population size. The current population total is 2,681. We have broken down the population based on race below. In 46147, there are over 1344 in male population and 1337 females.

PopulationValues
Total Population2,681
White Population2546
Black Population16
Hispanic Population52
Asian Population11
Hawaiian Population1
Indian Population2
Other Population13
Male Population1344
Female Population1337
Population Estimate2724

Household Data for 46147

The average number of homes in 46147 is around 1,033, there are an average of 2.60 per household. The average house value according to local real estate values is around $184,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,033
Persons Per Household2.60
Average House Value$184,900
Income Per Household$74957
Median Age44.0
Median Age Male42.8
Median Age Female45.1
46147 DetailsValues
StateIN
State Full NameIndiana
City TypeN
City Alias Abbreviation
Area Code765
CityJamestown
City Alias NameJAMESTOWN
CountyBoone
County FIPS011
State FIPS18
Time Zone5
Day Light SavingY
MSA3480
PMSA
CSA294
CBSA26900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameIndianapolis-Carmel-Greenwood, IN
MSA_NameIndianapolis, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses44
Number Of Employees643
Business First Quarter Payroll6615
Business Annual Payroll27199
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1756241
CBSA Division Population0
Congressional District04
Congressional LandArea6352.55
Delivery Residential1048
Delivery Business24
Delivery Total1070
Preferred Last Line Key020117
Classification Code
Multi-CountyY
CSA NameIndianapolis-Carmel-Muncie, IN
CBSA_DIV_Name
City State Key020117
Land Area56.798000
Water Area0.030000
City Alias Code
City Mixed CaseJamestown
City Alias Mixed CaseJamestown
Box Count0
SFDU1022
MFDU14
State ANSI18
County ANSI011
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number170946
Unique ZIP Name
SSA State County Code15050
Medicare CBSA Code26900
Medicare CBSA NameIndianapolis-Carmel-Anderson, IN
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseBoone

Indiana Homeowners Insurance News & Information

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

  • Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

    According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]