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Home Insurance Rates in 47837

For homeowners shopping online in 47837, our insurance rates are very competitive for homeowners living in Carbon, IN. Many homeowners based out of the great city of Carbon 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 47837, simply click the "Get Multiple Quotes Now" button. Your 47837 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Carbon, IN Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

47837 Home Insurance Rating is: Medium!

If you live in 47837, you can easily save up to 40% off the average home insurance premium of $733 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 Carbon 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 47837 today!

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47837 Home Insurance Average Premiums

Local 47837 homeowners insurance quotes comparison

$483 /yr.

Shows Zip Code: 47837 lowest rates with discounts applied on average.

For the 47837, 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)
$483 /yr.
Average Coverage:$733 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1033 /yr.

What is the average home insurance cost for a home in 47837?

  • • The average homeowners insurance premium paid annually for a home in 47837 is around $733 per year.

What does it cost on average per month for home insurance in 47837?

  • • Homeowners in 47837 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 47837?

  • • Autoowners in 47837 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 Carbon, check out other zip codes nearby 47837.
To review average rates in another zip code, click on a zip code below:
47837  | 

Home Replacement Cost Coverage in 47837

Average Building Cost Per Square Foot in 47837: $108

Location: Carbon, Indiana (Clay County)

Average Square Footage in 47837: 977 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 47837 before you start any project. Carbon 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 47837 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 47837 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 977 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 Carbon 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$108977$105,500
Additional Upgrades & Added Features$135977$131,875
Major Home Updates or Advancements$162977$158,250

It's important to understand that when you estimate your replacement cost of your home in the 47837 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 47837

Best Home & Auto Insurance Agencies in 47837

Housing Demographics for 47837

Population Review for 47837 Zip Code

For the city of Carbon, the population within 47837 has increased to over 1,246 residents in population size. The current population total is 1,186. We have broken down the population based on race below. In 47837, there are over 551 in male population and 635 females.

PopulationValues
Total Population1,186
White Population1141
Black Population1
Hispanic Population13
Asian Population2
Hawaiian Population0
Indian Population2
Other Population5
Male Population551
Female Population635
Population Estimate1246

Household Data for 47837

The average number of homes in 47837 is around 450, there are an average of 2.64 per household. The average house value according to local real estate values is around $105,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode450
Persons Per Household2.64
Average House Value$105,500
Income Per Household$68382
Median Age43.7
Median Age Male45.3
Median Age Female43.1
47837 DetailsValues
StateIN
State Full NameIndiana
City TypeP
City Alias Abbreviation
Area Code812/930
CityCarbon
City Alias NameCARBON
CountyClay
County FIPS021
State FIPS18
Time Zone5
Day Light SavingY
MSA8320
PMSA
CSA
CBSA45460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTerre Haute, IN
MSA_NameTerre Haute, IN MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees65
Business First Quarter Payroll766
Business Annual Payroll3158
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population172425
CBSA Division Population0
Congressional District08
Congressional LandArea7255.39
Delivery Residential472
Delivery Business3
Delivery Total537
Preferred Last Line KeyX11777
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX11777
Land Area31.636000
Water Area0.158000
City Alias Code
City Mixed CaseCarbon
City Alias Mixed CaseCarbon
Box Count60
SFDU472
MFDU0
State ANSI18
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number171243
Unique ZIP Name
SSA State County Code15100
Medicare CBSA Code45460
Medicare CBSA NameTerre Haute, IN
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseClay

Indiana Homeowners Insurance News & Information

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  • 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 […]