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Home Insurance Quotes in 46776
Are you shopping for a cheaper homeowners insurance rate in 46776? Our rates are very competitive for homeowners living in Orland, IN. Many homeowners located in the 46776 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 46776. To get free 46776 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 46776 zip code should appear in the zip code field ready to go. Shopping Orland, IN Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 46776 to review the best rate coverages.
Your 46776 Home Insurance Costs Is Rated: Medium!
For the great city of Orland, the average home insurance premium paid annually is around $738 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Indiana specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Orland and need insurance on your home in the 46776 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.
46776 Home Insurance Average Premiums
$488 /yr.
Shows Zip Code: 46776 lowest rates with discounts applied on average.
For the 46776, 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) | $488 /yr. |
| Average Coverage: | $738 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1038 /yr. |
What is the average home insurance cost for a home in 46776?
- • The average homeowners insurance premium paid annually for a home in 46776 is around $738 per year.
What does it cost on average per month for home insurance in 46776?
- • Homeowners in 46776 pay a monthly average cost per month around $62.00.
What kind of discount could I get if I combine my home and auto insurance together in 46776?
- • Autoowners in 46776 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 Orland, check out other zip codes nearby 46776.
To review average rates in another zip code, click on a zip code below:
46776 |
Home Replacement Cost Coverage in 46776
Average Building Cost Per Square Foot in 46776: $108
Location: Orland, Indiana (Steuben County)Average Square Footage in 46776: 1,094 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 46776 before you start any project. Orland 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 46776 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 46776 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,094 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 Orland 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 | 1,094 | $118,100 |
| Additional Upgrades & Added Features | $135 | 1,094 | $147,625 |
| Major Home Updates or Advancements | $162 | 1,094 | $177,150 |
It's important to understand that when you estimate your replacement cost of your home in the 46776 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 46776
Best Home & Auto Insurance Agencies in 46776
Housing Demographics for 46776
Population Review for 46776 Zip Code
For the city of Orland, the population within 46776 has increased to over 1,314 residents in population size. The current population total is 1,528. We have broken down the population based on race below. In 46776, there are over 751 in male population and 777 females.
| Population | Values |
|---|---|
| Total Population | 1,528 |
| White Population | 1397 |
| Black Population | 5 |
| Hispanic Population | 94 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 11 |
| Other Population | 59 |
| Male Population | 751 |
| Female Population | 777 |
| Population Estimate | 1314 |
Household Data for 46776
The average number of homes in 46776 is around 630, there are an average of 2.43 per household. The average house value according to local real estate values is around $118,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 630 |
| Persons Per Household | 2.43 |
| Average House Value | $118,100 |
| Income Per Household | $45300 |
| Median Age | 44.9 |
| Median Age Male | 43.5 |
| Median Age Female | 45.9 |
| 46776 Details | Values |
|---|---|
| State | IN |
| State Full Name | Indiana |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 260 |
| City | Orland |
| City Alias Name | ORLAND |
| County | Steuben |
| County FIPS | 151 |
| State FIPS | 18 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 258 |
| CBSA | 11420 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Angola, IN |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 39 |
| Number Of Employees | 865 |
| Business First Quarter Payroll | 9770 |
| Business Annual Payroll | 41863 |
| 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 | 34185 |
| CBSA Division Population | 0 |
| Congressional District | 03|05 |
| Congressional LandArea | 4180.37|1924.76 |
| Delivery Residential | 541 |
| Delivery Business | 8 |
| Delivery Total | 1456 |
| Preferred Last Line Key | X13207 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Fort Wayne-Huntington-Auburn, IN |
| CBSA_DIV_Name | |
| City State Key | X13207 |
| Land Area | 25.030000 |
| Water Area | 1.442000 |
| City Alias Code | |
| City Mixed Case | Orland |
| City Alias Mixed Case | Orland |
| Box Count | 168 |
| SFDU | 516 |
| MFDU | 0 |
| State ANSI | 18 |
| County ANSI | 151 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 176589 |
| Unique ZIP Name | |
| SSA State County Code | 15750 |
| Medicare CBSA Code | 99915 |
| Medicare CBSA Name | Rural Areas in IN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 3 |
| County Mixed Case | Steuben |
Indiana Homeowners Insurance News & Information
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]
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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 […]