Gavop's guide to buying homeowners insurance in Smith, IN covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Smith, IN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| West St, W Squawbuck Rd, N Sycamore Dr, W Hill Dr, E Collins St, Brooks St, E Beech Ave, N 350 E, E Darland St, Robinway | $171,000 | $140,000 | $175,000-$200,000 | $101,500 | $90,000 | $75,000-$100,000 |
| S Washington St, W McConnell Rd, E Island Ct, Co Rd 675 E, W Center Dr, N Lincolnway, Co Rd 650 N, E Stalf Rd, Co Rd 400 N, Co Rd 250 W | $105,000 | $100,000 | $100,000-$125,000 | $80,500 | $70,000 | $75,000-$100,000 |
| W Carlin Ct, Co Rd 550 N, E Schrader Rd, Co Rd 650 E, State Rd 102, Bridget Ln, W Dogwood Dr, W 550 N-92, Co Rd 250 N, N Center Ct | $178,500 | $160,000 | $175,000-$200,000 | $107,000 | $90,000 | $100,000-$125,000 |
| S Brook Dr, Co Rd 350 E, Cambridge Dr, W Gates Rd, W Tulley St, W Shoreline Dr, Co Rd 250 N, S Briarwood Ln, W Lincolnway, E Dela Balme Rd | $140,000 | $130,000 | $125,000-$150,000 | $113,500 | $100,000 | $100,000-$125,000 |
| Co Rd 500 N, Co Rd 825 E, W 800 N, E Lincolnway, E Sparrow Cove, Summit Dr, McCoy Dr, N Chauncey St, Tidewater Trl, Home Ave | $147,500 | $130,000 | $125,000-$150,000 | $130,500 | $120,000 | $125,000-$150,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $612 |
| Home and Two Car | -$108 | $565 |
| Home and Three Car | -$168 | $505 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Whitley County | $1,000 | $816 | $1,816 | $593 | $1,593 | $223 |
| Smith, IN | $1,000 | $665 | $1,665 | $483 | $1,483 | $182 |
| Cedar Creek, IN | $500 | $836 | $1,336 | $607 | $1,107 | $228 |
| Grabill, IN | $700 | $751 | $1,451 | $546 | $1,246 | $205 |
| Waterloo, IN | $400 | $634 | $1,034 | $461 | $861 | $173 |
| Smithfield, IN | $2,500 | $828 | $3,328 | $602 | $3,102 | $226 |
| Wilmington, IN | $500 | $686 | $1,186 | $498 | $998 | $187 |
| Laketon, IN | $1,000 | $612 | $1,612 | $444 | $1,444 | $167 |
| Locke, IN | $200 | $801 | $1,001 | $582 | $782 | $219 |
| Sturgis, MI | $700 | $631 | $1,331 | $459 | $1,159 | $173 |
| Berne, IN | $500 | $716 | $1,216 | $521 | $1,021 | $196 |
| Blue Creek, IN | $1,000 | $921 | $1,921 | $669 | $1,669 | $252 |
| Home Insurance Company Smith, IN | Homeowners Insurance Agency Smith, IN | Address | Popularity Score | Distance from Smith (miles) |
|---|---|---|---|---|
| Erie | Acosta Insurance Agency Inc. | 3803 S Main Street, Elkhart, IN, 46517 | 41.4 | |
| State Farm | Todd Reid | 780 W Connexion Way, Columbia City, IN, 46725-1037 | 8.2 | |
| State Farm | Valentine White-Xayarath | 5533 S Anthony Blvd, Fort Wayne, IN, 46806-3317 | 18.0 | |
| Travelers | Dale Insurance Services | 29 E Main St, Peru, IN, 46970 | 48.8 | |
| Allstate | Parker Insurance | 3985 N Us Highway 33 Ste 101, Churubusco, IN, 46723 | 2.4 | |
| Liberty Mutual Independent | Hoch Insurance Agency Inc | 209 E Washington Center Rd, Fort Wayne, IN, 46825 | 12.9 | |
| State Farm | Shawn Corbett | 6061 N Clinton St, Fort Wayne, IN, 46825-4903 | 13.7 | |
| Allstate | Kevin Gwozdz | 5721 Covington Rd, Fort Wayne, IN, 46804 | 13.2 | |
| Erie | Insure Smart Llc | 3462 Stellhorn Road Suite B, Fort Wayne, IN, 46815 | 15.3 | |
| State Farm | Ab Brown | 117 N Elkhart St, Wakarusa, IN, 46573-2006 | 40.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $610 | $1,190 | $580 |
| Whitley County, IN | $131,600 | $825 | $600 | $1,130 | $530 |
| Smith, IN | $115,200 | $673 | $490 | $920 | $430 |
| Cedar Creek, IN | $199,100 | $846 | $600 | $1,160 | $560 |
| Grabill, IN | $102,800 | $760 | $510 | $1,090 | $580 |
| Waterloo, IN | $72,700 | $642 | $460 | $910 | $450 |
| Smithfield, IN | $127,200 | $838 | $560 | $1,160 | $600 |
| Wilmington, IN | $85,300 | $694 | $500 | $960 | $460 |
| Laketon, IN | $67,600 | $619 | $440 | $880 | $440 |
| Locke, IN | $118,400 | $811 | $580 | $1,110 | $530 |
| Sturgis, MI | $80,500 | $639 | $440 | $880 | $440 |
| Berne, IN | $93,200 | $725 | $520 | $1,020 | $500 |
| Blue Creek, IN | $163,200 | $932 | $670 | $1,300 | $630 |