Gavop's guide to buying homeowners insurance in Troy, 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.
| Troy, 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 | |
| Shelby Rd, Old State Rd 37, S 5th St, Co Rd 57, Addison Dam Rd, 20th St, 25th St, State Rd 237, Gutenberg Rd, Altdorf Ln | $164,000 | $140,000 | $125,000-$150,000 | $101,500 | $100,000 | $100,000-$125,000 |
| Sherlock, Spring Rd, Swallow Rd, Spring St, 33rd St, Lincoln Ave, Mozart St, Aloe Rd, Old Ridge Rd, State Rd 145 | $113,000 | $90,000 | $75,000-$100,000 | $127,500 | $110,000 | $100,000-$125,000 |
| Traphagen Dr, Sidonia Rd, 10th St, E State Rd 66, Juniper Dr, Squirrel Rd, 9th St, Payne St, Tumbler Rd, Tiger Rd | $116,500 | $110,000 | $125,000-$150,000 | $88,000 | $70,000 | $75,000-$100,000 |
| Millstone Retreat Ln, Bolin Cemetary Rd, 9th St, Snail Rd, E 2nd St, Shellflower Rd, Sunset Rd, Cambridge Dr, Shame Rd, Sweetwater Rd | $169,500 | $150,000 | $200,000-$250,000 | $138,000 | $120,000 | $125,000-$150,000 |
| Sassafras Rd, Fulton St, Sky Blue Ln, Abbott Rd, Scotch Pine Rd, 4th St, Deer Creek Rd, Sailor Rd, Annandale Way, Smith St | $108,500 | $100,000 | $100,000-$125,000 | $77,500 | $70,000 | $75,000-$100,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$54 | $623 |
| Home and Two Car | -$108 | $569 |
| Home and Three Car | -$156 | $521 |
| 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 |
| Perry County | $1,000 | $631 | $1,631 | $458 | $1,458 | $172 |
| Troy, IN | $2,000 | $669 | $2,669 | $486 | $2,486 | $183 |
| Grandview, IN | $100 | $662 | $762 | $481 | $581 | $181 |
| Bainbridge, IN | $2,500 | $746 | $3,246 | $542 | $3,042 | $204 |
| Short Creek, KY | $100 | $780 | $880 | $567 | $667 | $213 |
| Laconia, IN | $2,000 | $665 | $2,665 | $483 | $2,483 | $182 |
| Horse Branch, KY | $100 | $651 | $751 | $473 | $573 | $178 |
| Calhoun, KY | $100 | $784 | $884 | $570 | $670 | $214 |
| Lost River, IN | $2,000 | $567 | $2,567 | $412 | $2,412 | $155 |
| Henderson County, KY | $400 | $819 | $1,219 | $595 | $995 | $224 |
| Shoals, IN | $700 | $659 | $1,359 | $479 | $1,179 | $180 |
| Home Insurance Company Troy, IN | Homeowners Insurance Agency Troy, IN | Address | Popularity Score | Distance from Troy (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Tri-State Insurance Group Llc | 981a S Kenmore Dr, Evansville, IN, 47714 | 42.7 | |
| Liberty Mutual Independent | Franzman Insurance Agency Inc | 723 Main St, Tell City, IN, 47586 | 3.1 | |
| Liberty Mutual Independent | Harpenau Insurance Agency | 330 Main St, Troy, IN, 47588 | 5.3 | |
| State Farm | Austin Hutchins | 12500 Highway 41 N Ste 6, Evansville, IN, 47725-7031 | 46.8 | |
| Erie | Anderson & Baur Insurance Llc | 821 12th Street, Tell City, IN, 47586 | 2.8 | |
| State Farm | Martin Woodruff | 2001 W Franklin St, Evansville, IN, 47712-5112 | 48.0 | |
| Farmers | Karen Edwards | 100 N Saint Joseph Ave, Evansville, IN, 47712 | 48.4 | |
| State Farm | April Stewart-Fryman | 412 N Weinbach Ave, Evansville, IN, 47711-6012 | 44.5 | |
| Liberty Mutual Independent | Schatz Insurance Agency | 1111 N Main St, Huntingburg, IN, 47542 | 27.1 | |
| Allstate | Dan Jost | 2215 W Franklin St, Evansville, IN, 47712 | 48.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,210 | $630 |
| Perry County, IN | $103,000 | $638 | $470 | $910 | $440 |
| Troy, IN | $94,100 | $677 | $450 | $960 | $510 |
| Grandview, IN | $79,400 | $670 | $460 | $920 | $460 |
| Bainbridge, IN | $149,400 | $755 | $540 | $1,040 | $500 |
| Short Creek, KY | $100,800 | $789 | $570 | $1,100 | $530 |
| Laconia, IN | $80,000 | $673 | $490 | $930 | $440 |
| Horse Branch, KY | $71,800 | $659 | $450 | $930 | $480 |
| Calhoun, KY | $102,100 | $794 | $560 | $1,100 | $540 |
| Lost River, IN | $57,900 | $574 | $380 | $810 | $430 |
| Henderson County, KY | $118,000 | $829 | $570 | $1,140 | $570 |
| Shoals, IN | $78,700 | $667 | $460 | $950 | $490 |