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Quickly Revew Homeowners Insurance in 46637

If you own a home in South Bend, IN you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 46637 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Indiana licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 46637 and start comparing rates now.

46637 Homeowners Insurance Rates Are Considered: medium!

The average rate for a standard homeowners policy in 46637 is $734 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 46637 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional South Bend, IN home insurance quotes in your local city and review the most competitive coverages and premiums.

46637 Home Insurance Average Premiums

Local 46637 homeowners insurance quotes comparison

$484 /yr.

Shows Zip Code: 46637 lowest rates with discounts applied on average.

For the 46637, 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)
$484 /yr.
Average Coverage:$734 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1034 /yr.

What is the average home insurance cost for a home in 46637?

  • • The average homeowners insurance premium paid annually for a home in 46637 is around $734 per year.

What does it cost on average per month for home insurance in 46637?

  • • Homeowners in 46637 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 46637?

  • • Autoowners in 46637 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 South Bend, check out other zip codes nearby 46637.
To review average rates in another zip code, click on a zip code below:
46619  |  46613  |  46637  |  46616  |  46617  |  46635  |  46628  |  46614  |  46601  |  46615  | 

Home Replacement Cost Coverage in 46637

Average Building Cost Per Square Foot in 46637: $108

Location: South Bend, Indiana (St Joseph County)

Average Square Footage in 46637: 1,397 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46637 before you start any project. South Bend 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 46637 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 46637 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,397 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 South Bend 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$1081,397$150,900
Additional Upgrades & Added Features$1351,397$188,625
Major Home Updates or Advancements$1621,397$226,350

It's important to understand that when you estimate your replacement cost of your home in the 46637 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 46637

Leadership Insurance Agency Inc

Address: 52303 Emmons Road Suite 31 South Bend, IN 46637
Phone: (574)277-1611
Website: www.leadershipins.com

Best Home & Auto Insurance Agencies in 46637

Ieraci- James P

Address: 1717 S Bend Ave South Bend, IN 46637
Phone:
Website:
Info:

American Family Insurance

Address: 227 N Dixie Way South Bend, IN 46637
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Neely- Glen E

Address: 19271 Darden Rd South Bend, IN 46637
Phone:
Website:
Info:

Derrick Wesley Ins Agncy Inc - State Farm Insurance Agent

Address: 219 N Dixie Way #140 South Bend, IN 46637
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Leadership Insurance Agency Inc

Address: 52303 Emmons Rd, #31 South Bend, IN 46637
Phone:
Website: http://www.leadershipins.com
Info:

Housing Demographics for 46637

Population Review for 46637 Zip Code

For the city of South Bend, the population within 46637 has increased to over 17,018 residents in population size. The current population total is 15,887. We have broken down the population based on race below. In 46637, there are over 7722 in male population and 8165 females.

PopulationValues
Total Population15,887
White Population12012
Black Population1642
Hispanic Population985
Asian Population591
Hawaiian Population4
Indian Population81
Other Population422
Male Population7722
Female Population8165
Population Estimate17018

Household Data for 46637

The average number of homes in 46637 is around 7,131, there are an average of 2.19 per household. The average house value according to local real estate values is around $150,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,131
Persons Per Household2.19
Average House Value$150,900
Income Per Household$65337
Median Age37.9
Median Age Male36.9
Median Age Female39.1
46637 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code574
CitySouth Bend
City Alias NameSOUTH BEND
CountySt Joseph
County FIPS141
State FIPS18
Time Zone5
Day Light SavingY
MSA7800
PMSA
CSA515
CBSA43780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSouth Bend-Mishawaka, IN-MI
MSA_NameSouth Bend, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses274
Number Of Employees3535
Business First Quarter Payroll27767
Business Annual Payroll123154
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population319224
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential7771
Delivery Business321
Delivery Total8348
Preferred Last Line KeyX13619
Classification Code
Multi-County
CSA NameSouth Bend-Elkhart-Mishawaka, IN-MI
CBSA_DIV_Name
City State KeyX13619
Land Area9.993000
Water Area0.142000
City Alias Code
City Mixed CaseSouth Bend
City Alias Mixed CaseSouth Bend
Box Count0
SFDU4963
MFDU1108
State ANSI18
County ANSI141
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number178195
Unique ZIP Name
SSA State County Code15700
Medicare CBSA Code43780
Medicare CBSA NameSouth Bend-Mishawaka, IN-MI
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseSt Joseph

Indiana Homeowners Insurance News & Information

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    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]