Gavop shows you how to buy homeowners insurance in St. Joseph County, IN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $63,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $100,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $202,500 | $190,000 | $150,000-$175,000 |
| 4 Bedroom | $157,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $414,000 | $340,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $646 |
| Superior Protection Discount | -$79 | $709 |
| Fire & Security Discount | -$55 | $733 |
| Hail Resistant Roof Discount | -$16 | $772 |
| Newly Constructed Home Discount | -$173 | $614 |
| 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 |
| St. Joseph County | $2,000 | $778 | $2,778 | $566 | $2,566 | $213 |
| St. Joseph County, IN | $1,000 | $778 | $1,778 | $566 | $1,566 | $213 |
| New Carlisle, IN | $300 | $853 | $1,153 | $620 | $920 | $233 |
| Coolspring, IN | $700 | $705 | $1,405 | $513 | $1,213 | $193 |
| Bainbridge, MI | $100 | $793 | $893 | $577 | $677 | $217 |
| Town of Pines, IN | $2,500 | $727 | $3,227 | $528 | $3,028 | $199 |
| Sidney, IN | $300 | $569 | $869 | $414 | $714 | $156 |
| Larwill, IN | $2,500 | $626 | $3,126 | $455 | $2,955 | $171 |
| Covert, MI | $400 | $710 | $1,110 | $516 | $916 | $194 |
| Van Buren County, MI | $1,000 | $725 | $1,725 | $527 | $1,527 | $198 |
| Ogden Dunes, IN | $100 | $1,250 | $1,350 | $908 | $1,008 | $342 |
| North Manchester, IN | $700 | $658 | $1,358 | $478 | $1,178 | $180 |
| Home Insurance Company St. Joseph County, IN | Homeowners Insurance Agency St. Joseph County, IN | Address | Popularity Score | Distance from St. Joseph County (miles) |
|---|---|---|---|---|
| Allstate | Jerry Gasche | 3525 Central Ave Ste D, Lake Station, IN, 46405 | 49.4 | |
| Allstate | Janet K. Ballowe | 23585 Us Highway 33, Elkhart, IN, 46517 | 19.2 | |
| State Farm | Chris Neal | 1620 E Day Rd, Mishawaka, IN, 46545-3469 | 8.2 | |
| Liberty Mutual Independent | 1st Choice Insurance | 4975 W State Road 10, North Judson, IN, 46366 | 38.3 | |
| State Farm | Chris Nielsen | 751 E Porter Ave Ste 4, Chesterton, IN, 46304-9111 | 39.0 | |
| State Farm | Rich Was | 2030 S Bend Ave, South Bend, IN, 46637-5638 | 6.6 | |
| Liberty Mutual Independent | Kfg Insurance Agency | 6910 N Main St Unit 41 Building 16, Granger, IN, 46530 | 9.2 | |
| Liberty Mutual Independent | Dan Berry Insurance Agency | 54101 Ironwood Road , South Bend, IN, 46635 | 7.2 | |
| State Farm | Tim Grauel | 24545 Brick Rd, South Bend, IN, 46628-9717 | 8.7 | |
| State Farm | Danny Ditola | 8792 E Ridge Rd Ste B, Hobart, IN, 46342-2588 | 49.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $600 | $1,190 | $590 |
| St. Joseph County, IN | $118,600 | $788 | $540 | $1,120 | $580 |
| St. Joseph County, IN | $118,600 | $788 | $560 | $1,110 | $550 |
| New Carlisle, IN | $135,700 | $863 | $590 | $1,230 | $640 |
| Coolspring, IN | $131,100 | $714 | $520 | $1,010 | $490 |
| Bainbridge, MI | $157,200 | $803 | $590 | $1,100 | $510 |
| Town of Pines, IN | $96,200 | $736 | $510 | $1,020 | $510 |
| Sidney, IN | $58,300 | $576 | $400 | $800 | $400 |
| Larwill, IN | $70,900 | $634 | $460 | $910 | $450 |
| Covert, MI | $99,100 | $719 | $520 | $990 | $470 |
| Van Buren County, MI | $123,100 | $733 | $530 | $1,000 | $470 |
| Ogden Dunes, IN | $334,800 | $1,265 | $910 | $1,760 | $850 |
| North Manchester, IN | $91,000 | $666 | $490 | $950 | $460 |