Gavop's guide to buying homeowners insurance in Bluffton, 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 | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $71,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $125,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $160,000 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $147,000 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $571 |
| Superior Protection Discount | -$68 | $612 |
| Fire & Security Discount | -$68 | $612 |
| Hail Resistant Roof Discount | -$14 | $666 |
| Newly Constructed Home Discount | -$136 | $544 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,794 |
| Physical Damage | $2,295 |
| Hail Damage | $4,948 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $15,884 |
| Home Insurance Company Bluffton, IN | Homeowners Insurance Agency Bluffton, IN | Address | Popularity Score | Distance from Bluffton (miles) |
|---|---|---|---|---|
| Travelers | Wise Insurance Agency Inc | 7410 Bluffton Rd, Fort Wayne, IN, 46809 | 18.7 | |
| Liberty Mutual Independent | Archbold & Lewis Insurance | 105 S Jefferson St, Ossian, IN, 46777 | 9.4 | |
| State Farm | Lena Massie | 576 Geiger Drive Suite E, Roanoke, IN, 46783-8800 | 18.1 | |
| Erie | Virtue Insurance Services Llc | 7209 Mill Run Road, Fort Wayne, IN, 46819 | 19.0 | |
| State Farm | Shari Tomac | 1055 Us Highway 27 N, Berne, IN, 46711-1025 | 12.5 | |
| Erie | Smith Insurance Services Inc. | 115 S Main Street, Montpelier, IN, 47359 | 14.2 | |
| State Farm | Jake Stroup | 1352 Etna Ave, Huntington, IN, 46750-3638 | 19.3 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 1.0 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 1.0 | |
| Allstate | Kevin Gwozdz | 5721 Covington Rd, Fort Wayne, IN, 46804 | 21.9 |
| 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 |
| Wells County, IN | $121,000 | $689 | $500 | $960 | $460 |
| Bluffton, IN | $94,900 | $680 | $500 | $930 | $430 |
| Lancaster, IN | $135,200 | $723 | $520 | $1,030 | $510 |
| Kirkland, IN | $120,600 | $818 | $560 | $1,120 | $560 |
| Markle, IN | $85,800 | $696 | $470 | $1,000 | $530 |
| Berne, IN | $93,200 | $725 | $490 | $1,030 | $540 |
| Black Creek, OH | $113,900 | $661 | $440 | $920 | $480 |
| St. Joseph, IN | $116,600 | $677 | $490 | $960 | $470 |
| Gibson, OH | $153,000 | $749 | $530 | $1,030 | $500 |
| Ward, IN | $68,800 | $624 | $450 | $890 | $440 |
| Sims, IN | $93,500 | $726 | $490 | $1,040 | $550 |
| Delphos, OH | $90,200 | $700 | $500 | $970 | $470 |