How Can I Make My Muncie, IN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Muncie, IN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Muncie, IN Home Insurance Coverage Levels | Back to Top
| Muncie, 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 | |
| W 11th St, W Riverview Ct, W 550 N Rd, N Chinquapin Way, E Myrtle Ave, E Hamilton Dr, W Canal St, N Lake Forest Dr, N Co Rd 750 W, N Vienna Woods Dr | $87,000 | $80,000 | $75,000-$100,000 | $67,000 | $60,000 | $50,000-$75,000 |
| S Biltmore Ave, N Main St, W 7th St, E Fisher Ln, S 850 W Rd, W Marsh St, W Moore Rd, N Wildwood Ln, W Oran Ct, W Co Rd 350 N | $145,000 | $130,000 | $150,000-$175,000 | $106,000 | $100,000 | $75,000-$100,000 |
| W Cardinal Dr, S 419 E Rd, S Normandy Dr, W Fuson Rd, W Haines Ave, W Birdsong Ct, W 950 N Rd, E Cedarwood Dr, E 21st St, N Dogwood Ln | $169,500 | $140,000 | $175,000-$200,000 | $165,500 | $150,000 | $175,000-$200,000 |
| W 13th St, N Wickersham Dr, S Parish Rd, S Wolfe St, W 7th St, Muncie St, N Aspen Ln, N Birchwood Dr, S Brittain Ave, N Tk Way | $218,500 | $200,000 | $200,000-$250,000 | $131,500 | $120,000 | $100,000-$125,000 |
| N Co Rd 350 W, W 14th St, W Crooked Creek Ct, Wilson Rd, W Co Rd 426 N, E Co Rd 170 S, W Weatherstone Ln, N Milton St, W Ivy St, E 17th St | $178,000 | $160,000 | $200,000-$250,000 | $164,000 | $130,000 | $150,000-$175,000 |
| S 500 E Rd, E 200 S Rd, N Fir Tree Dr, N Co Rd 800 E, W Berkley Ave, S Tacoma Ave, N Poplar Dr, N Carriage Ln, W River Rd, S Union St | $162,500 | $130,000 | $125,000-$150,000 | $111,000 | $90,000 | $75,000-$100,000 |
| S Co Rd 560 E, W Co Rd 375 N, W Prairiewood Dr, W Howard St, S Calvert St, N McKenzie St, W 6th St, W Rex St, S Grande Ave, S Grandview Ct | $114,000 | $100,000 | $100,000-$125,000 | $81,500 | $70,000 | $50,000-$75,000 |
| W Squire Ct, E Grace Ct, W 31st St, S Birch St, E Maumee Ave, W Lincolnshire Dr, N Weir Dr, N Hill St, N Belmont Dr, E Co Rd 167 S | $97,500 | $90,000 | $100,000-$125,000 | $84,500 | $70,000 | $50,000-$75,000 |
| East Dr, Abercrombie Dr, Midway Dr, N Lyn Mar Dr, E 3rd St, W 150 N St, W Teal Dr, S Ross St, E Stacey St, S Haddix Ave | $117,000 | $90,000 | $100,000-$125,000 | $90,000 | $80,000 | $75,000-$100,000 |
| S Hunter Rd, W Skyway Dr, Westwood Dr, N Innisbrook Dr, W Woodward Dr, W Co Rd 750 N, W 28th St, W 18th St, N Lakewood Dr, E Co Rd 172 S | $119,000 | $110,000 | $75,000-$100,000 | $54,000 | $40,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Muncie, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$92 | $521 |
| Superior Protection Discount | -$55 | $558 |
| Fire & Security Discount | -$49 | $564 |
| Hail Resistant Roof Discount | -$12 | $601 |
| Newly Constructed Home Discount | -$135 | $478 |
Choose the Right Deductible for your Muncie, 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 |
| Delaware County | $2,000 | $678 | $2,678 | $492 | $2,492 | $185 |
| Muncie, IN | $1,500 | $606 | $2,106 | $440 | $1,940 | $166 |
| Losantville, IN | $500 | $581 | $1,081 | $422 | $922 | $159 |
| Pennville, IN | $1,000 | $594 | $1,594 | $432 | $1,432 | $162 |
| Duck Creek, IN | $400 | $815 | $1,215 | $592 | $992 | $223 |
| Saratoga, IN | $1,000 | $469 | $1,469 | $341 | $1,341 | $128 |
| Lewisville, IN | $300 | $609 | $909 | $442 | $742 | $166 |
| Carthage, IN | $2,000 | $653 | $2,653 | $475 | $2,475 | $178 |
| Rockcreek, IN | $400 | $965 | $1,365 | $701 | $1,101 | $264 |
| Warren, IN | $2,500 | $734 | $3,234 | $533 | $3,033 | $201 |
| Kirkland, IN | $100 | $808 | $908 | $587 | $687 | $221 |
| Montezuma, OH | $1,500 | $573 | $2,073 | $416 | $1,916 | $157 |
Identify Top Home Insurance Agents near Muncie, IN | Back to Top
| Home Insurance Company Muncie, IN | Homeowners Insurance Agency Muncie, IN | Address | Popularity Score | Distance from Muncie (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Kramer Insurance | 4533 N Wheeling Ave, Muncie, IN, 47304 | 2.3 | |
| Allstate | R J Puthran | 815 W Carmel Dr, Carmel, IN, 46032 | 42.9 | |
| Liberty Mutual Independent | Shepherd Insurance | 111 Congressional Blvd Ste 100, Carmel, IN, 46032 | 43.5 | |
| State Farm | Mike Wright | 3899 N Wheeling Avenue, Muncie, IN, 47304-1776 | 1.8 | |
| Liberty Mutual Independent | Kramer Insurance | 4533 N Wheeling Avenue, Muncie, IN, 47304 | 2.3 | |
| Travelers | Patton Insurance Inc | 4535 N Wheeling Avenue, Muncie, IN, 47304 | 2.3 | |
| Travelers | Patton Insurance Inc | 4535 N Wheeling Ave, Muncie, IN, 47304 | 2.3 | |
| Liberty Mutual Independent | Midwest Insurance Professional | 2928 Indiana Ave, Connersville, IN, 47331 | 39.0 | |
| Erie | Martin Insurance Group | 3409 W Bethel Avenue, Muncie, IN, 47304 | 2.1 | |
| Allstate | Ann K. Alexander | 1815 D St, Anderson, IN, 46016 | 15.4 |
Compare Rates for Muncie, 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 | $580 | $1,200 | $620 |
| Delaware County, IN | $88,600 | $686 | $460 | $970 | $510 |
| Muncie, IN | $70,500 | $613 | $440 | $850 | $410 |
| Losantville, IN | $61,000 | $588 | $430 | $830 | $400 |
| Pennville, IN | $63,700 | $601 | $430 | $850 | $420 |
| Duck Creek, IN | $122,800 | $825 | $590 | $1,130 | $540 |
| Saratoga, IN | $38,800 | $475 | $340 | $650 | $310 |
| Lewisville, IN | $66,900 | $616 | $450 | $870 | $420 |
| Carthage, IN | $77,300 | $661 | $460 | $930 | $470 |
| Rockcreek, IN | $184,000 | $977 | $660 | $1,400 | $740 |
| Warren, IN | $104,600 | $743 | $510 | $1,030 | $520 |
| Kirkland, IN | $120,600 | $818 | $590 | $1,140 | $550 |
| Montezuma, OH | $85,000 | $580 | $420 | $800 | $380 |
Research Home Insurance Companies Reviews in Muncie, IN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: August 20, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I haven't had any problems with their customer service and have always gotten a prompt response to my inquiries. My only negative would be that I don't particularly care for the once.
Date: July 30, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have been with my present home insurance company for many years now and what they offer in the policy is quite comparable with other insurance companies.
Date: January 23, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I have been a loyal customer of my State Farm agent for years because of her excellent customer service. She has always been extremely helpful with claims and changes to my home insurance, car, or personal property policy. Once, I purchased a car on a holiday and when I called to have it added to my insurance policy she came into the office on her day off to assist me. As a result, I also have my home and personal property insurance through State Farm. I have also continued to use the same agent despite moving away from her area. Overall, my customer service experience has been especially positive.
AAA Home Insurance Reviews
Date: November 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
its pretty standard I believe I have one thousand dollar deductible, we've never had to use it. so I'm not 100% sure of it
Assurant Specialty Property Home Insurance Reviews
Date: October 19, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
this premium was recommended by the place where I live so I get a discount on the premiums. But if no discount they would actually be more expensive then others that I have searched
Travelers Home Insurance Reviews
Date: December 22, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
I have not had to file any claims on my homeowner policy but after researching other companies I do find that I am just fine with my current policy.
Allstate Home Insurance Reviews
Date: January 05, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium and deductible is not too expensive and the costs are all explained transparently up front as opposed to other companies that have things like hidden costs and fees.
Meemic Insurance Home Insurance Reviews
Date: October 27, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Communication
I didn't like how they sent someone out to my home to view the property to take pictures of chipped paint on of my bedroom ceiling.They threatened to terminate my policy if I didn't fix it.