Gavop's guide to buying homeowners insurance in Ohio, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $68,500 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $123,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $186,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $272,500 | $260,000 | $200,000-$250,000 |
| 5 Bedroom | $419,500 | $340,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$63 | $726 |
| Home and Two Car | -$134 | $655 |
| Home and Three Car | -$181 | $607 |
| 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 |
| Warrick County | $700 | $873 | $1,573 | $634 | $1,334 | $238 |
| Ohio, IN | $2,000 | $779 | $2,779 | $566 | $2,566 | $213 |
| Evansville, IN | $400 | $681 | $1,081 | $495 | $895 | $186 |
| Vanderburgh County, IN | $2,500 | $786 | $3,286 | $571 | $3,071 | $215 |
| Hart, IN | $400 | $814 | $1,214 | $592 | $992 | $222 |
| Skelton, IN | $2,000 | $857 | $2,857 | $623 | $2,623 | $234 |
| Mount Vernon, IN | $500 | $681 | $1,181 | $495 | $995 | $186 |
| Black, IN | $1,500 | $662 | $2,162 | $481 | $1,981 | $181 |
| Albion, IL | $400 | $516 | $916 | $375 | $775 | $141 |
| Albion No. 3, IL | $700 | $540 | $1,240 | $393 | $1,093 | $148 |
| Centertown, KY | $200 | $544 | $744 | $396 | $596 | $149 |
| Wheatland, IN | $2,000 | $583 | $2,583 | $424 | $2,424 | $159 |
| Home Insurance Company Ohio, IN | Homeowners Insurance Agency Ohio, IN | Address | Popularity Score | Distance from Ohio (miles) |
|---|---|---|---|---|
| State Farm | Mike Mohr | 3922 Venetian Way Ste 2, Newburgh, IN, 47630-7958 | 2.8 | |
| Liberty Mutual Independent | Tri-State Insurance Group Llc | 981a S Kenmore Dr, Evansville, IN, 47714 | 5.9 | |
| State Farm | Bob Davis | 2727 1st Ave, Evansville, IN, 47710-3172 | 9.7 | |
| State Farm | Vicki Brasel | 11 Vann Ave, Evansville, IN, 47714-1444 | 6.4 | |
| Erie | Self Insurance Services Llc | 7925 Bell Oaks Drive Suite A, Newburgh, IN, 47630 | 1.5 | |
| State Farm | C Larry Rhodes | 8688 Ruffian Ln Ste A, Newburgh, IN, 47630-3411 | 1.6 | |
| State Farm | Marsha Goldsmith | 3116 E Morgan Ave Ste D, Evansville, IN, 47711-4471 | 6.2 | |
| Allstate | Sam Tanoos | 5334 Vogel Rd, Evansville, IN, 47715 | 4.9 | |
| State Farm | Mary Rokicki | 3335 N Green River Rd, Evansville, IN, 47715-1351 | 5.3 | |
| Farmers | Karen Edwards | 100 N Saint Joseph Ave, Evansville, IN, 47712 | 11.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,170 | $590 |
| Warrick County, IN | $158,100 | $883 | $640 | $1,210 | $570 |
| Ohio, IN | $166,200 | $789 | $530 | $1,100 | $570 |
| Evansville, IN | $89,700 | $690 | $460 | $960 | $500 |
| Vanderburgh County, IN | $121,200 | $795 | $560 | $1,110 | $550 |
| Hart, IN | $122,400 | $824 | $550 | $1,140 | $590 |
| Skelton, IN | $137,300 | $867 | $600 | $1,210 | $610 |
| Mount Vernon, IN | $97,500 | $689 | $500 | $940 | $440 |
| Black, IN | $114,300 | $670 | $490 | $960 | $470 |
| Albion, IL | $66,600 | $522 | $360 | $740 | $380 |
| Albion No. 3, IL | $72,500 | $547 | $370 | $750 | $380 |
| Centertown, KY | $51,700 | $551 | $380 | $780 | $400 |
| Wheatland, IN | $61,400 | $590 | $410 | $830 | $420 |