Get multiple home insurance quotes in 46776. Our licensed 46776, IN agents are ready to serve you.

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.

Get 46776 Homeowners Insurance Rates Now!

46776 Home Insurance Average Premiums

Local 46776 homeowners insurance quotes comparison

$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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1081,094$118,100
Additional Upgrades & Added Features$1351,094$147,625
Major Home Updates or Advancements$1621,094$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.

PopulationValues
Total Population1,528
White Population1397
Black Population5
Hispanic Population94
Asian Population4
Hawaiian Population0
Indian Population11
Other Population59
Male Population751
Female Population777
Population Estimate1314

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 DataValues
Households Per Zipcode630
Persons Per Household2.43
Average House Value$118,100
Income Per Household$45300
Median Age44.9
Median Age Male43.5
Median Age Female45.9
46776 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code260
CityOrland
City Alias NameORLAND
CountySteuben
County FIPS151
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA258
CBSA11420
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAngola, IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses39
Number Of Employees865
Business First Quarter Payroll9770
Business Annual Payroll41863
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population34185
CBSA Division Population0
Congressional District03|05
Congressional LandArea4180.37|1924.76
Delivery Residential541
Delivery Business8
Delivery Total1456
Preferred Last Line KeyX13207
Classification Code
Multi-CountyY
CSA NameFort Wayne-Huntington-Auburn, IN
CBSA_DIV_Name
City State KeyX13207
Land Area25.030000
Water Area1.442000
City Alias Code
City Mixed CaseOrland
City Alias Mixed CaseOrland
Box Count168
SFDU516
MFDU0
State ANSI18
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number176589
Unique ZIP Name
SSA State County Code15750
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseSteuben

Indiana Homeowners Insurance News & Information

  • 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 […]