How Can I Make My Carmel, IN Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Carmel, IN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Carmel, IN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $83,500 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $211,500 | $190,000 | $250,000-$300,000 |
| 3 Bedroom | $279,500 | $230,000 | $300,000-$350,000 |
| 4 Bedroom | $289,500 | $270,000 | $250,000-$300,000 |
| 5 Bedroom | $249,000 | $220,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Carmel, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$218 | $927 |
| Superior Protection Discount | -$103 | $1,042 |
| Fire & Security Discount | -$80 | $1,065 |
| Hail Resistant Roof Discount | -$34 | $1,110 |
| Newly Constructed Home Discount | -$286 | $859 |
Choose the Right Deductible for your Carmel, 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 |
| Hamilton County | $2,000 | $992 | $2,992 | $721 | $2,721 | $271 |
| Carmel, IN | $700 | $1,131 | $1,831 | $822 | $1,522 | $309 |
| Delaware, IN | $200 | $817 | $1,017 | $593 | $793 | $223 |
| Lapel, IN | $1,000 | $763 | $1,763 | $554 | $1,554 | $208 |
| Sugar Creek, IN | $500 | $817 | $1,317 | $593 | $1,093 | $223 |
| Hendricks County, IN | $700 | $902 | $1,602 | $656 | $1,356 | $246 |
| Brandywine, IN | $100 | $904 | $1,004 | $657 | $757 | $247 |
| Michigantown, IN | $1,500 | $700 | $2,200 | $509 | $2,009 | $191 |
| Point Isabel, IN | $100 | $769 | $869 | $559 | $659 | $210 |
| Fillmore, IN | $700 | $682 | $1,382 | $495 | $1,195 | $186 |
| Nineveh, IN | $200 | $910 | $1,110 | $661 | $861 | $249 |
| Baker, IN | $1,500 | $1,024 | $2,524 | $744 | $2,244 | $280 |
Identify Top Home Insurance Agents near Carmel, IN | Back to Top
| Home Insurance Company Carmel, IN | Homeowners Insurance Agency Carmel, IN | Address | Popularity Score | Distance from Carmel (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Associated Insurance Services Llc | 3815 River Crossing Pkwy #180 , Indianapolis, IN, 46240 | 4.2 | |
| Allstate | Four Jacks Inc | 4007 S Western Ave, Marion, IN, 46953 | 45.8 | |
| State Farm | Andrew Kennedy | 12407 Old Meridian St, Carmel, IN, 46032-8713 | 0.4 | |
| State Farm | Angie Sutton | 5540 Pebble Village Ln Ste 400, Noblesville, IN, 46062-7411 | 6.7 | |
| State Farm | Lamont Perry | 6208 Allisonville Rd, Indianapolis, IN, 46220-4544 | 7.2 | |
| State Farm | Andy Southard | 51 N 10th St, Noblesville, IN, 46060-2215 | 9.1 | |
| Erie | Pedigo Insurance & Financial Services | 123 E Main Street, Lebanon, IN, 46052 | 17.8 | |
| State Farm | Dave Schermerhorn | 8606 Allisonville Rd Ste 118, Indianapolis, IN, 46250-3585 | 5.3 | |
| State Farm | Monte Smith | 9623 Windermere Blvd Ste D, Fishers, IN, 46037-9181 | 9.1 | |
| State Farm | Chris Bouwkamp | 1770 St Rd 231 South Suite 8, Crawfordsville, IN, 47933 | 40.2 |
Compare Rates for Carmel, 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 | $570 | $1,210 | $640 |
| Hamilton County, IN | $240,000 | $1,004 | $710 | $1,400 | $690 |
| Carmel, IN | $320,400 | $1,145 | $790 | $1,590 | $800 |
| Delaware, IN | $187,400 | $827 | $600 | $1,170 | $570 |
| Lapel, IN | $106,300 | $772 | $520 | $1,070 | $550 |
| Sugar Creek, IN | $187,200 | $827 | $590 | $1,170 | $580 |
| Hendricks County, IN | $171,600 | $913 | $630 | $1,260 | $630 |
| Brandywine, IN | $155,800 | $915 | $620 | $1,270 | $650 |
| Michigantown, IN | $89,200 | $709 | $480 | $1,010 | $530 |
| Point Isabel, IN | $108,000 | $778 | $550 | $1,070 | $520 |
| Fillmore, IN | $84,200 | $690 | $480 | $950 | $470 |
| Nineveh, IN | $158,300 | $921 | $660 | $1,300 | $640 |
| Baker, IN | $214,800 | $1,036 | $750 | $1,430 | $680 |
Research Home Insurance Companies Reviews in Carmel, IN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: June 18, 2019 Age: 50 to 59 Gender: Unmarried Marital Status: Female
Customer Service
State Farm has been an excellent company to be insured with as the agent to the customer service reps are informative, helpful and nice. I've only had to make a few claims over the years.
Date: April 01, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
State Farm has good customer service. I only contact them when I need policy adjustments but they are able to change the policies quickly.
Date: January 20, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
i think i have so many insurance to hear my friends but is a best insurance and he give money very easy no trouble.
Date: December 24, 2018 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
We have had mixed experiences with the customer service department. It really depends who you are talking to and their experience level. When we've had problems, eventually it was straightened out, but sometimes it took a few weeks. This should not be the case, since we pay very dearly for our coverage.
Date: October 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
it is really good. I like it. the other insurance companies are not as nice.
Amica Mutual Insurance Home Insurance Reviews
Date: March 15, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
The premium for the home policy is very much within reason and comparable to other companies for the same coverage. Rating is 5.
Date: March 07, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
Amica has rates that were much lower than comparable insurance from other providers. I wanted to use USAA but didn't qualify so AMica was the next best option.
GEICO Home Insurance Reviews
Date: January 09, 2020 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
From my experience the customer service reps are very friendly and courteous. They try their best to answer the questions ask and always ask if there is anything else they can help with. My one gripe is the length of time it takes to speak with a rep.
Date: April 09, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
They're very receptive to me calling, At times it does seem like they are trying to sell another product, but overall will assist with whatever issue I have.
Farmer's Insurance Home Insurance Reviews
Date: April 22, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
My insurance policy is discounted because I already have car insurance with the same company and is extremely cheap but covers almost all of my possessions.
Date: April 14, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The premiums are very competitive for my area. Where I live deductibles are pretty standard at one percent of the value of your home so there is no advantage over competitors in that area.
American Family Home Insurance Reviews
Date: April 18, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy is very basic. There is no real big difference between what I have with American Family and what I could get or what I would get with another provider.
Country Financial Home Insurance Reviews
Date: April 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
We have similar if not less premiums with this company than others we have used before.
Nationwide Home Insurance Reviews
Date: March 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
We have been using Nationwide for car and home insurance. They have been wonderful when dealing with auto claims - thankfully we have not had to use them for any home claims to date.
Allstate Home Insurance Reviews
Date: December 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
My premium is low, but I have a high $5000 deductible on my policy. It has been a while since I have compared to other companies. But I received a discount for having Auto and Home.
Grange Insurance Home Insurance Reviews
Date: December 20, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
So far we haven't had to file a home claim, but I've been impressed at the process of getting home insurance.
Texas General Insurance Home Insurance Reviews
Date: October 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
They don't have a lot on their website. There isn't even a way to pay your bill on there. You can't look at your account either to see what your balance is. They need to have this where it can be viewed
State Auto Home Insurance Reviews
Date: March 29, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
We have had to contact our home insurance company regarding damage done to our roof.They were very attentive, concerned with our issue, and quick to find a resolution for the issue.
Auto Owners Insurance Home Insurance Reviews
Date: July 23, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I have not had to contact the home insurance company's customer service department for any reason.