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46959 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 46959? There are over 85 occupied homes in the 46959 area. With a population size of 148, it's not uncommon for residence of Miami, IN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Indiana is around $800 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 46959 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Miami, IN Home Insurance Rate Quotes

46959 Home Insurance Average Premiums

Local 46959 homeowners insurance quotes comparison

$550 /yr.

Shows Zip Code: 46959 lowest rates with discounts applied on average.

For the 46959, 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)		$550 /yr.
Average Coverage:$800 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1100 /yr.

What is the average home insurance cost for a home in 46959?

  • • The average homeowners insurance premium paid annually for a home in 46959 is around $800 per year.

What does it cost on average per month for home insurance in 46959?

  • • Homeowners in 46959 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 46959?

  • • Autoowners in 46959 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 Miami, check out other zip codes nearby 46959.
To review average rates in another zip code, click on a zip code below:
46959  | 

Home Replacement Cost Coverage in 46959

Average Building Cost Per Square Foot in 46959: $108

Location: Miami, Indiana (Miami County)

Average Square Footage in 46959: 1,067 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46959 before you start any project. Miami 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 46959 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 46959 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,067 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 Miami 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$1081,067$115,200
Additional Upgrades & Added Features$1351,067$144,000
Major Home Updates or Advancements$1621,067$172,800

It's important to understand that when you estimate your replacement cost of your home in the 46959 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 46959

Best Home & Auto Insurance Agencies in 46959

Housing Demographics for 46959

Population Review for 46959 Zip Code

For the city of Miami, the population within 46959 has increased to over 123 residents in population size. The current population total is 148. We have broken down the population based on race below. In 46959, there are over 88 in male population and 60 females.

PopulationValues
Total Population148
White Population138
Black Population0
Hispanic Population2
Asian Population4
Hawaiian Population0
Indian Population1
Other Population1
Male Population88
Female Population60
Population Estimate123

Household Data for 46959

The average number of homes in 46959 is around 85, there are an average of 1.74 per household. The average house value according to local real estate values is around $115,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode85
Persons Per Household1.74
Average House Value$115,200
Income Per Household$0
Median Age39.2
Median Age Male40.0
Median Age Female39.2
46959 DetailsValues
StateIN
State Full NameIndiana
City TypeN
City Alias Abbreviation
Area Code765
CityMiami
City Alias NameMIAMI
CountyMiami
County FIPS103
State FIPS18
Time Zone5
Day Light SavingY
MSA
PMSA
CSA294
CBSA37940
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePeru, IN
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population36903
CBSA Division Population0
Congressional District02
Congressional LandArea3958.58
Delivery Residential71
Delivery Business4
Delivery Total75
Preferred Last Line Key013864
Classification Code
Multi-County
CSA NameIndianapolis-Carmel-Muncie, IN
CBSA_DIV_Name
City State Key013864
Land Area0.410000
Water Area0.000000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU71
MFDU0
State ANSI18
County ANSI103
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number176897
Unique ZIP Name
SSA State County Code15510
Medicare CBSA Code99915
Medicare CBSA NameRural Areas in IN
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseMiami

Indiana Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    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 […]