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46706 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 46706 zip code it's important to know that our rates are very competitive for homeowners living in Auburn, IN. Many homeowners based out of your 46706 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 46706 should appear in the zip code field ready to go. For Auburn, IN Homeowners Insurance Quotes nearby, we offer the best rates and service.
46706: Average Home Insurance Rates
For homeowners living in the great city of Auburn, the average homeowners policy is considered medium in comparison to other states. Indiana premiums are estimated to be around $737 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.
46706 Home Insurance Average Premiums
$487 /yr.
Shows Zip Code: 46706 lowest rates with discounts applied on average.
For the 46706, 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) | $487 /yr. |
| Average Coverage: | $737 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1037 /yr. |
What is the average home insurance cost for a home in 46706?
- • The average homeowners insurance premium paid annually for a home in 46706 is around $737 per year.
What does it cost on average per month for home insurance in 46706?
- • Homeowners in 46706 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 46706?
- • Autoowners in 46706 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 Auburn, check out other zip codes nearby 46706.
To review average rates in another zip code, click on a zip code below:
46706 |
Home Replacement Cost Coverage in 46706
Average Building Cost Per Square Foot in 46706: $108
Location: Auburn, Indiana (Dekalb County)Average Square Footage in 46706: 1,404 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 46706 before you start any project. Auburn 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 46706 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 46706 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,404 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 Auburn 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $108 | 1,404 | $151,600 |
| Additional Upgrades & Added Features | $135 | 1,404 | $189,500 |
| Major Home Updates or Advancements | $162 | 1,404 | $227,400 |
It's important to understand that when you estimate your replacement cost of your home in the 46706 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 46706
Best Home & Auto Insurance Agencies in 46706
Simmons, William - Allstate
Address: 109 E 5th St, #E Auburn, IN 46706Phone:
Website: http://www.allstateagencies.com/WSIMMONS/Welcome/
Info:
Farmers Insurance
Address: 1041 W 7th St Auburn, IN 46706Phone:
Website:
Info:
Allstate Insurance Agency
Address: 309 S Jackson St Auburn, IN 46706Phone:
Website: http://www.allstateagencies.com/064279/Welcome/
Info:
Allstate Insurance Company - William A Simmons
Address: 109 E 5th St Auburn, IN 46706Phone:
Website: http://www.allstateagencies.com/037602?cid=OTC-YP.com-IYP&att=TL
Info:
Blomeke, Holly Owner - Integrity Insurance Services, LLC
Address: 1710 N Main St Auburn, IN 46706Phone:
Website: http://www.myintegrityinsurance.com/
Info:
Housing Demographics for 46706
Population Review for 46706 Zip Code
For the city of Auburn, the population within 46706 has increased to over 21,052 residents in population size. The current population total is 19,995. We have broken down the population based on race below. In 46706, there are over 9777 in male population and 10218 females.
| Population | Values |
|---|---|
| Total Population | 19,995 |
| White Population | 18803 |
| Black Population | 103 |
| Hispanic Population | 564 |
| Asian Population | 161 |
| Hawaiian Population | 9 |
| Indian Population | 35 |
| Other Population | 179 |
| Male Population | 9777 |
| Female Population | 10218 |
| Population Estimate | 21052 |
Household Data for 46706
The average number of homes in 46706 is around 8,051, there are an average of 2.45 per household. The average house value according to local real estate values is around $151,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 8,051 |
| Persons Per Household | 2.45 |
| Average House Value | $151,600 |
| Income Per Household | $65587 |
| Median Age | 41.3 |
| Median Age Male | 39.9 |
| Median Age Female | 42.7 |
| 46706 Details | Values |
|---|---|
| State | IN |
| State Full Name | Indiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 260 |
| City | Auburn |
| City Alias Name | AUBURN |
| County | Dekalb |
| County FIPS | 033 |
| State FIPS | 18 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 2760 |
| PMSA | |
| CSA | 258 |
| CBSA | 12140 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Auburn, IN |
| MSA_Name | Fort Wayne, IN MSA |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 548 |
| Number Of Employees | 9538 |
| Business First Quarter Payroll | 105164 |
| Business Annual Payroll | 435722 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 42223 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 4180.37 |
| Delivery Residential | 8593 |
| Delivery Business | 609 |
| Delivery Total | 9521 |
| Preferred Last Line Key | X11498 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Fort Wayne-Huntington-Auburn, IN |
| CBSA_DIV_Name | |
| City State Key | X11498 |
| Land Area | 87.896000 |
| Water Area | 0.311000 |
| City Alias Code | |
| City Mixed Case | Auburn |
| City Alias Mixed Case | Auburn |
| Box Count | 161 |
| SFDU | 7261 |
| MFDU | 142 |
| State ANSI | 18 |
| County ANSI | |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 170352 |
| Unique ZIP Name | |
| SSA State County Code | 15160 |
| Medicare CBSA Code | 99915 |
| Medicare CBSA Name | Rural Areas in IN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Dekalb |
Indiana Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]