46219 Home Insurance Quotes & Rates

Currently, the 15,660 homes within the 46219 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Indiana is around $802 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Indianapolis, IN, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 46219.

Indiana is now ranking #35 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Indianapolis home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Indiana has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 46219 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Indianapolis, Indiana home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Indianapolis, IN Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

Average Building Cost Per Square Foot in 46219: $108

Average Square Footage in 46219: 1,188 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46219 before you start any project. Indianapolis 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 46219 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 46219 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,188 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 Indianapolis 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.

It's important to understand that when you estimate your replacement cost of your home in the 46219 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.

Allstate Insurance - Sarah Franke

McBee Insurance Agency

Allstate Insurance - Sarah Franke

American Family Insuance- Jeannene Talbott

American Family Insurance - Jeannene M Talbott

Allstate Insurance Companies - Claims Office- Indianapolis

Household Data for 46219

The average number of homes in 46219 is around 15,660, there are an average of 2.30 per household. The average house value according to local real estate values is around $128,300. Please review the following demographics below for average income and media age.

• Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

  Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

• Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

  Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

• Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

  Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]