How Can I Make My Elkhart, IN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Elkhart, IN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Elkhart, IN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $64,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $132,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $161,500 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $178,000 | $150,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Elkhart, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $574 |
| Superior Protection Discount | -$68 | $615 |
| Fire & Security Discount | -$75 | $608 |
| Hail Resistant Roof Discount | -$20 | $662 |
| Newly Constructed Home Discount | -$137 | $546 |
Choose the Right Deductible for your Elkhart, IN Home | Back to Top
| 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 |
| Elkhart County | $2,500 | $814 | $3,314 | $591 | $3,091 | $222 |
| Elkhart, IN | $1,000 | $675 | $1,675 | $490 | $1,490 | $184 |
| Centre, IN | $100 | $704 | $804 | $511 | $611 | $192 |
| Bertrand, MI | $1,500 | $818 | $2,318 | $595 | $2,095 | $224 |
| Lawton, MI | $400 | $709 | $1,109 | $516 | $916 | $194 |
| Rolling Prairie, IN | $1,500 | $915 | $2,415 | $665 | $2,165 | $250 |
| Bangor, MI | $200 | $721 | $921 | $524 | $724 | $197 |
| Oshtemo charter, MI | $1,500 | $697 | $2,197 | $507 | $2,007 | $191 |
| Corunna, IN | $400 | $539 | $939 | $392 | $792 | $147 |
| Bloomingdale, MI | $2,500 | $693 | $3,193 | $503 | $3,003 | $189 |
| Geneva, MI | $500 | $716 | $1,216 | $521 | $1,021 | $196 |
| Angola, IN | $1,500 | $679 | $2,179 | $493 | $1,993 | $186 |
Identify Top Home Insurance Agents near Elkhart, IN | Back to Top
| Home Insurance Company Elkhart, IN | Homeowners Insurance Agency Elkhart, IN | Address | Popularity Score | Distance from Elkhart (miles) |
|---|---|---|---|---|
| State Farm | Ben Baier | 932 Parkway Ave Ste A, Elkhart, IN, 46516-9345 | 4.3 | |
| Travelers | Dac Insurance | 29620 County Rd 20, Elkhart, IN, 46517 | 4.2 | |
| Travelers | Coaches Insurance Agency Llc | 818 E Bristol, Elkhart, IN, 46514 | 0.8 | |
| Allstate | Janet K. Ballowe | 23585 Us Highway 33, Elkhart, IN, 46517 | 4.6 | |
| State Farm | Tim Grauel | 24545 Brick Rd, South Bend, IN, 46628-9717 | 19.8 | |
| State Farm | Rich Was | 2030 S Bend Ave, South Bend, IN, 46637-5638 | 13.2 | |
| Farmers | Bryan Medford | 51579 State Road 19, Elkhart, IN, 46514 | 3.7 | |
| Liberty Mutual Independent | Holmes Insurance Agency Inc | 311 W Hively Avenue, Elkhart, IN, 46517 | 2.2 | |
| Liberty Mutual Independent | Holmes Insurance Agency Inc | 311 W Hively Ave, Elkhart, IN, 46517 | 2.2 | |
| Allstate | Daniel S. Harrell | 51565 Bittersweet Rd Ste D, Granger, IN, 46530 | 8.4 |
Compare Rates for Elkhart, 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 | $620 | $1,160 | $540 |
| Elkhart County, IN | $130,800 | $824 | $590 | $1,160 | $570 |
| Elkhart, IN | $87,700 | $683 | $480 | $940 | $460 |
| Centre, IN | $130,500 | $712 | $490 | $1,000 | $510 |
| Bertrand, MI | $176,500 | $828 | $590 | $1,150 | $560 |
| Lawton, MI | $98,100 | $718 | $510 | $1,000 | $490 |
| Rolling Prairie, IN | $160,400 | $926 | $620 | $1,310 | $690 |
| Bangor, MI | $105,800 | $730 | $520 | $1,010 | $490 |
| Oshtemo charter, MI | $185,700 | $706 | $490 | $970 | $480 |
| Corunna, IN | $52,300 | $546 | $390 | $770 | $380 |
| Bloomingdale, MI | $88,600 | $701 | $470 | $1,000 | $530 |
| Geneva, MI | $102,700 | $725 | $490 | $1,030 | $540 |
| Angola, IN | $120,500 | $687 | $490 | $960 | $470 |
Research Home Insurance Companies Reviews in Elkhart, IN Before Buying | Back to Top
Share a review on your home insurance company
Auto Owners Insurance Home Insurance Reviews
Date: July 20, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I think my current policy offers equivalent options and coverage. There are bundle options available as with any company, the more you insure with the company the better rate they can provide you.
Date: April 11, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
I believe my insurance companies stacks up pretty well against its competitors. It is a medium-sized company that enables them to be price competitive.
Date: March 16, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
On The Move Insurance Agency was founded to provide Self-Storage operators with industry specific insurance products
Allstate Home Insurance Reviews
Date: March 19, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
Fortunately I have not needed to contact my home insurance, but I have in general been pleased with my Allstate agent. They have been responsive to me when needed.
Date: December 07, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I already had auto insurance through Allstate, so it was easier to just add on home insurance as well, I also didn't check any other insurance providers when I went with Allstate.
Nationwide Home Insurance Reviews
Date: April 03, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
My payment amout that I have to pay is not as much as it would be with any other company. I call around to check before I got Nation Wide. My deductable is $100.00 which is good.
Date: March 12, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I would say Nationwide hits mid-range compared to other policies for deductible and rates. They are not on the low end, however they are certainly competitive with other major insurers.
State Farm Home Insurance Reviews
Date: September 18, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
State Farm again seems pretty comparable to the other carriers. My deductible is the standard deductible that is offered by the other insurance companies.
Date: October 23, 2018 Age: Above 60 Gender: Female Marital Status: Married
Premium
It's much cheaper, and because I've been with their company so long, I have a sizable discount. I can't see going with anyone else.
Farmer's Insurance Home Insurance Reviews
Date: April 15, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
Our agent made sure that we got the best prices compared to competitors. I don't remember what are exact deductible and premiums are.
Date: October 22, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Website/App
I don't even know what ours is. We have a local agent that we've reached out to when needing something and they didn't really help us to set anything up online.
American Family Home Insurance Reviews
Date: April 23, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
the deductible is the same that I would get on any other insurance product from any other provider.
MetLife Home Insurance Reviews
Date: March 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
Overall, Metlife is pretty good. We received a big discount from them due to my wife's employer and we can keep the auto policy for a 1 year vs. 6 months.
Progressive Home Insurance Reviews
Date: April 17, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Our insurance company has more offerings than we need. We have never asked for anything more than what they offer for policies.
Safeco Insurance Home Insurance Reviews
Date: March 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
Our insurance policy is a good rate comparatively to other companies and we get a discount by combining our home and auto insurance.
American Modern Insurance Home Insurance Reviews
Date: April 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The customer service has been good, but I have not made any claims. I have used them on multiple houses since I own rental properties, and getting the house's insurance set up.
GEICO Home Insurance Reviews
Date: August 16, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
I believe my premium is fair and is actually lower than a competitor I was with for years. I was also able to lower my deductible.