Gavop's guide to buying homeowners insurance in Needham, 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 | $54,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $94,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $192,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $237,000 | $200,000 | $250,000-$300,000 |
| 5 Bedroom | $192,000 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $640 |
| Superior Protection Discount | -$71 | $719 |
| Fire & Security Discount | -$71 | $719 |
| Hail Resistant Roof Discount | -$16 | $774 |
| Newly Constructed Home Discount | -$166 | $624 |
| 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 |
| Johnson County | $1,000 | $853 | $1,853 | $620 | $1,620 | $233 |
| Needham, IN | $2,500 | $780 | $3,280 | $567 | $3,067 | $213 |
| Clark, IN | $200 | $1,128 | $1,328 | $820 | $1,020 | $308 |
| Greenwood, IN | $1,500 | $846 | $2,346 | $615 | $2,115 | $231 |
| Plainfield, IN | $500 | $758 | $1,258 | $551 | $1,051 | $207 |
| Williams Creek, IN | $2,500 | $2,596 | $5,096 | $1,887 | $4,387 | $710 |
| Shirley, IN | $200 | $629 | $829 | $457 | $657 | $172 |
| Westfield, IN | $700 | $979 | $1,679 | $712 | $1,412 | $268 |
| Fillmore, IN | $300 | $682 | $982 | $495 | $795 | $186 |
| Straughn, IN | $2,000 | $523 | $2,523 | $380 | $2,380 | $143 |
| Marshall, IN | $100 | $813 | $913 | $591 | $691 | $222 |
| Arcadia, IN | $2,000 | $757 | $2,757 | $550 | $2,550 | $207 |
| Home Insurance Company Needham, IN | Homeowners Insurance Agency Needham, IN | Address | Popularity Score | Distance from Needham (miles) |
|---|---|---|---|---|
| State Farm | Brian Seyfert | 515 Main St, Beech Grove, IN, 46107-1839 | 16.7 | |
| State Farm | Connie Mortensen | 5144 Madison Ave Ste 9, Indianapolis, IN, 46227-4279 | 15.7 | |
| State Farm | Mike Sutherland | 1602 W 3rd St Ste E, Bloomington, IN, 47404-5079 | 37.1 | |
| Erie | Beatty Insurance | 1842 Us Hwy 31 S, Greenwood, IN, 46143 | 8.9 | |
| Allstate | Darrell Frye | 17 N 5th Ave, Beech Grove, IN, 46107 | 16.8 | |
| State Farm | Michael Heineman | 2150 Independence Dr Ste D, Greenwood, IN, 46143-3405 | 8.6 | |
| Allstate | Joseph H. Entezari | 3520 E 96th St Ste 6l, Indianapolis, IN, 46240 | 30.8 | |
| Farmers | Frank Miller | 5212 Madison Ave Ste A, Indianapolis, IN, 46227 | 15.7 | |
| State Farm | Don Wilson | 50 Airport Pkwy Ste R, Greenwood, IN, 46143-1438 | 9.9 | |
| State Farm | David R Johnson | 4770 S Emerson Ave Ste J, Indianapolis, IN, 46203-5967 | 15.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $570 | $1,190 | $620 |
| Johnson County, IN | $149,700 | $863 | $600 | $1,230 | $630 |
| Needham, IN | $166,500 | $790 | $530 | $1,110 | $580 |
| Clark, IN | $275,800 | $1,142 | $790 | $1,560 | $770 |
| Greenwood, IN | $143,100 | $857 | $620 | $1,170 | $550 |
| Plainfield, IN | $155,100 | $767 | $520 | $1,100 | $580 |
| Williams Creek, IN | $767,000 | $2,628 | $1,760 | $3,710 | $1,950 |
| Shirley, IN | $71,600 | $637 | $470 | $900 | $430 |
| Westfield, IN | $232,300 | $991 | $660 | $1,360 | $700 |
| Fillmore, IN | $84,200 | $690 | $460 | $990 | $530 |
| Straughn, IN | $49,000 | $529 | $390 | $750 | $360 |
| Marshall, IN | $122,200 | $823 | $580 | $1,130 | $550 |
| Arcadia, IN | $104,500 | $766 | $520 | $1,090 | $570 |