Home Insurance Rates in 46815

For homeowners shopping online in 46815, our insurance rates are very competitive for homeowners living in Fort Wayne, IN. Many homeowners based out of the great city of Fort Wayne have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 46815, simply click the "Get Multiple Quotes Now" button. Your 46815 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Fort Wayne, IN Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

46815 Home Insurance Rating is: Medium!

If you live in 46815, you can easily save up to 40% off the average home insurance premium of $788 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Fort Wayne can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 46815 today!

Get Multiple Home Insurance Rates in 46815!

Average Building Cost Per Square Foot in 46815: $108

Average Square Footage in 46815: 1,314 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46815 before you start any project. Fort Wayne 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 46815 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 46815 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,314 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 Fort Wayne 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 46815 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 Companies

Allstate Insurance - Jeffrey W Griggs

Bond Jr- Russell

Allstate Insurance - Jeffrey W Griggs

Terry D Anderson Ins Agcy Inc - State Farm Insurance Agent

Metlife Auto & Home Agent: Luann St John

Taylor- Bradley A

Household Data for 46815

The average number of homes in 46815 is around 10,843, there are an average of 2.45 per household. The average house value according to local real estate values is around $141,900. 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 […]