How Can I Make My South Bend, IN Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in South Bend, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate South Bend, IN Home Insurance Coverage Levels | Back to Top
| South Bend, 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 | |
| Applewood Ln, Burning Ridge Trl, Placid Dr, Norwood Dr, Alfonsa Dr, Lodgepole Dr, S Illinois St, Echo Dr, Eldora Ct, Koko Ct | $138,500 | $130,000 | $125,000-$150,000 | $107,000 | $90,000 | $100,000-$125,000 |
| Fassnacht Ave, Fernwood Ct, Westwood Forest Dr, Nall Ct, Dushane Ct, Thornhill Dr, S Edison Ave, Kettering Dr, Gertrude St, Deerskin Trl | $123,500 | $120,000 | $100,000-$125,000 | $107,000 | $90,000 | $100,000-$125,000 |
| Progress Dr, Eugene St, Stone Ct, Lathrop St, S Jackson St, Clyde St, Oak Ridge Dr, Dana Dr, Ramblewood Rd, Pearl St | $199,000 | $180,000 | $200,000-$250,000 | $132,500 | $120,000 | $125,000-$150,000 |
| S Armstrong Dr, Cardinal Dr, Crown Ridge Ct, Haney Ave, N Chapin St, Copper Field Dr, E Fairview Ave, Woodward Ct, Ardmore Trl, E Rockne Dr | $98,500 | $80,000 | $75,000-$100,000 | $106,000 | $90,000 | $100,000-$125,000 |
| N Illinois St, Westwood Ln, Bulla Rd, S Jacktown Dr, Prospect St, Warrick St, N Jacob St, Golden Ave, Berry St, N Edison Ave | $136,000 | $120,000 | $125,000-$150,000 | $55,000 | $40,000 | $50,000-$75,000 |
| Scott St, Saint Vincent St, Grant Rd, Gateway Ct, Silver Ln, Dundee St, Fredrickson St, City Hall Ct, Cloverdale Rd, Byron Dr | $107,500 | $90,000 | $100,000-$125,000 | $62,000 | $50,000 | $50,000-$75,000 |
| Rowantree Pl, Oakwood Park Dr, Sancome Ave, Francis St, Blossom Dr, Wayne Cir, Macarthur Ave, Ravenna Dr, Butternut Rd, Kelley St | $141,500 | $120,000 | $100,000-$125,000 | $128,500 | $120,000 | $100,000-$125,000 |
| Westwood Forest Ct, Palisade Ave, Turtle Creek Dr S, W Dubail St, McQuade St, Elmer Ave, Trade Dr, Sherwood Ave, Ponsha St, Redtail Ct | $171,500 | $150,000 | $175,000-$200,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Bertrand St, Gentle Run Dr, Waterview Ct, Bellewood Dr, Rockne Dr, E Sample St, Portageway Dr, E Chippewa Ave, Greenmont Dr, Regent Ct | $148,500 | $130,000 | $150,000-$175,000 | $106,500 | $90,000 | $75,000-$100,000 |
| Woodward Ave, Rolling Hills Dr, Trader Ct E, Marshall Dr S, White Oak Dr, Sly Fox Ct, Greenwood Dr, Timber Ln, E Gatehouse Dr, Parkview St | $185,500 | $150,000 | $200,000-$250,000 | $94,000 | $90,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in South Bend, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $545 |
| Superior Protection Discount | -$66 | $591 |
| Fire & Security Discount | -$46 | $611 |
| Hail Resistant Roof Discount | -$13 | $644 |
| Newly Constructed Home Discount | -$131 | $525 |
Choose your South Bend, IN Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,344 |
| Hail Damage | $4,618 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,054 |
Identify Top Home Insurance Agents near South Bend, IN | Back to Top
| Home Insurance Company South Bend, IN | Homeowners Insurance Agency South Bend, IN | Address | Popularity Score | Distance from South Bend (miles) |
|---|---|---|---|---|
| Travelers | Trevino Insurance Group Inc | 1602 N Main St, Mishawaka, IN, 46545 | 4.5 | |
| Liberty Mutual Independent | Kfg Insurance Agency | 6910 N Main St Unit 41 Building 16, Granger, IN, 46530 | 5.7 | |
| Liberty Mutual Independent | Dan Berry Insurance Agency | 54101 Ironwood Road, South Bend, IN, 46635 | 3.4 | |
| Liberty Mutual Independent | Smith Sawyer & Smith Inc | 124 E 8th St, Rochester, IN, 46975 | 42.3 | |
| State Farm | Beth Winzeler | 1612 S Bend Ave, South Bend, IN, 46617-1747 | 2.6 | |
| Erie | Hoffman Insurance Group | 6005 N Fir Road, Granger, IN, 46530 | 6.1 | |
| State Farm | Brett Huber | 5474 Us Highway 6, Portage, IN, 46368-8220 | 49.1 | |
| State Farm | Linda Adams | 3131 E Center St Ext, Warsaw, IN, 46582-3901 | 38.3 | |
| State Farm | Jess Neely | 19271 Darden Rd, South Bend, IN, 46637-3967 | 4.0 | |
| State Farm | Warren Attar | 1902 E Us 20 Evergreen Plaza, Michigan City, IN, 46360 | 36.5 |
Compare Rates for South Bend, IN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $610 | $1,200 | $590 |
| St. Joseph County, IN | $118,600 | $788 | $570 | $1,110 | $540 |
| South Bend, IN | $81,100 | $657 | $480 | $930 | $450 |
| Greene, IN | $143,000 | $882 | $590 | $1,220 | $630 |
| Pokagon, MI | $117,000 | $747 | $550 | $1,070 | $520 |
| Three Oaks, MI | $157,600 | $804 | $550 | $1,100 | $550 |
| Nappanee, IN | $121,300 | $689 | $500 | $980 | $480 |
| Sodus, MI | $137,800 | $777 | $540 | $1,100 | $560 |
| Covert, MI | $99,100 | $719 | $520 | $1,030 | $510 |
| Claypool, IN | $71,300 | $635 | $430 | $870 | $440 |
| Howe, IN | $119,900 | $816 | $550 | $1,130 | $580 |
| Pierceton, IN | $82,700 | $684 | $490 | $980 | $490 |
| Wheeler, IN | $131,300 | $850 | $590 | $1,200 | $610 |
Research Home Insurance Companies Reviews in South Bend, IN Before Buying | Back to Top
Share a review on your home insurance company
Erie Insurance Home Insurance Reviews
Date: September 17, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
My premium is very affordable, and the company covers all costs associated with damage/repair leaving the policy holder satisfied overall
Date: October 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
The company has no app and the website is very hard to use. Because they contract out to small insurance firms around the US the cost is kept down but there is no consolidation on technology.
Date: September 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
The premium is the absolute lowest that I was able to find a quote for. I am very happy with it but could always be happier depending on what other discounts exist.
Date: September 11, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Communication
I receive periodic emails from my insurance company about ongoings in the company. However, nothing specific to me as an individual. While individual information may be useful in some aspects, I prefer to have fewer emails.
Date: January 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
My home covers all the above-mentioned items. They cover the dwelling and the items inside, the medical needs if someone is hurt inside of it, and the loss of structures such as my garage or fence.
Date: December 03, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
Because they contract out to small insurance firms, at any time I would need to contact someone I would at one of those smaller firms. These people are largely customer service focused because of their size and they do an extremely good job.
Synergy Insurance Group Home Insurance Reviews
Date: August 22, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I have not used the mobile app. I have only interacted with the company through mail and on the internet.
Date: August 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
My house has all the standards covered. The structural components are covered from wind and rain.
Date: July 27, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
I think my premium is standard. I don't think i pay more or less compared to other companies on the market.
Date: May 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I haven't had to file a claim but whenever I talk to customer service the interaction is quick and friendly. Also i like that i talk to a human and not a bot.
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
I like that I talk to an actual human being instead of going through a bot or computer program.
American Modern Insurance Home Insurance Reviews
Date: September 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I believe that everything is covered under my policy including flood and property damage ...slip and fall accidents.
Date: September 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
customer service is awful usually I get a machine and not a real person to speak to.
Date: July 26, 2018 Age: Above 60 Gender: Male Marital Status: Married
Website/App
I don't believe that they have a mobile app to use, my payment comes directly out of my account.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I have a double wide home with an addition and a two car garage I don't think my policy should be so high.
GEICO Home Insurance Reviews
Date: October 07, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
My premium and deductible for my policy is about average. I had issues in the pass which later got resolved.
Date: February 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
I am absolutely satisfied with the insurance's customer service. They are always quick to fix issues that are arising and make sure that they go above and beyond to have the problem not come back.
State Farm Home Insurance Reviews
Date: December 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
State Farm policy covers just about everything you can think of. Compared to lots of other insurance companies, i feel that i am getting my monies worth.
Date: November 23, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I have been pleased with State Farm's customer service. The person who sold us our policy was very quick and helpful. We have not had to use any other services for our home owners policy (no claims made, etc). Overall, I am pleased with the customer service.
Allstate Home Insurance Reviews
Date: January 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
my insurance policy is adapted to my needs and my budget and the payment plan has been very comfortable, compared to other companies is the most appropriate for me
MetLife Home Insurance Reviews
Date: November 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
Simply this company did not disappoint me ever since it is what it says to be respected what is agreed is professional I love to compare it with others it is responsible
Liberty Mutual Home Insurance Reviews
Date: July 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
Liberty Mutual was competitive with both local and national insurance companies I got quotes from as far as price and coverage, and was cheaper than many other insurance providers.
Progressive Home Insurance Reviews
Date: March 31, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Our home owner policy allows us to easily change our coverage at any point, we simply log in on line and make changes and they send us updated papers to show the changes.
Grange Insurance Home Insurance Reviews
Date: September 09, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I am actually not sure what my premiums and deductibles are. They are automatically taken out through my mortgage so I really don't notice.
Farmer's Insurance Home Insurance Reviews
Date: August 13, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
Farmers has equal if not better benefits for home insurance than other providers in the area. We have been customers of Farmers for 10+ years and have no qualms with what is offered,