Gavop's guide to buying homeowners insurance in Bright, 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.
| Bright, IN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cook Rd, Short Rd, Berkshire Dr, Far Hills Ln, Apple Ct, Orchard Dr, Benedic Ln, Farm Land Dr, Stout Rd, Ridgewood Ct | $180,000 | $170,000 | $175,000-$200,000 | $191,000 | $170,000 | $175,000-$200,000 |
| Monteray Cir, Sneaky Ridge Ln, Gabbard Dr, US Hwy 52, Sand Run Rd, Summer Ln, N State St, Covered Bridge Ln, Priest Rd, Grubbs Rd E | $117,000 | $110,000 | $100,000-$125,000 | $188,000 | $170,000 | $200,000-$250,000 |
| Whitaker Ln, Mill St, Overlook Cir, Bond Rd, Augusta Dr, Falcon Ln, Hartland Ct, Oakmount Ct, Sheldon St, Ledgestone Dr | $194,000 | $160,000 | $200,000-$250,000 | $255,000 | $230,000 | $250,000-$300,000 |
| Pebble Beach Ln, Swan Ln, Ventura Dr, Pine Lake Ln, Reinier Dr, Lawrenceburg Rd, Isbell Ln, Cranes Run Rd, Brush Fork Rd, One Mile Rd | $122,000 | $100,000 | $100,000-$125,000 | $246,000 | $230,000 | $200,000-$250,000 |
| Carr Dr, Old Orchard Dr, Short Hill Ave, Byrd Ct, Searcy Ln, Sprucewood Ln, Hickory Ridge Ln, Clinker Run Rd, Toddy Pl, Sandstone Dr | $212,000 | $170,000 | $200,000-$250,000 | $204,000 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $658 |
| Superior Protection Discount | -$79 | $714 |
| Fire & Security Discount | -$63 | $730 |
| Hail Resistant Roof Discount | -$24 | $769 |
| Newly Constructed Home Discount | -$167 | $626 |
| 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 |
| Dearborn County | $2,500 | $878 | $3,378 | $638 | $3,138 | $240 |
| Bright, IN | $700 | $783 | $1,483 | $569 | $1,269 | $214 |
| New Miami, OH | $500 | $536 | $1,036 | $390 | $890 | $147 |
| Dayton, KY | $700 | $640 | $1,340 | $465 | $1,165 | $175 |
| Crittenden, KY | $400 | $718 | $1,118 | $522 | $922 | $196 |
| Decatur County, IN | $1,000 | $682 | $1,682 | $496 | $1,496 | $186 |
| Grant County, KY | $300 | $715 | $1,015 | $519 | $819 | $195 |
| Dupont, IN | $700 | $646 | $1,346 | $470 | $1,170 | $177 |
| Dublin, IN | $100 | $614 | $714 | $446 | $546 | $168 |
| Lewisburg, OH | $1,000 | $618 | $1,618 | $449 | $1,449 | $169 |
| Centerville, OH | $100 | $664 | $764 | $482 | $582 | $181 |
| Eldorado, OH | $1,500 | $560 | $2,060 | $407 | $1,907 | $153 |
| Home Insurance Company Bright, IN | Homeowners Insurance Agency Bright, IN | Address | Popularity Score | Distance from Bright (miles) |
|---|---|---|---|---|
| State Farm | Josh Denny | 506 E Main St, Madison, IN, 47250-3647 | 43.5 | |
| Erie | Estheimer Insurance | 1585 Clifty Drive, Madison, IN, 47250 | 43.5 | |
| Liberty Mutual Independent | Midwest Insurance Professional | 2928 Indiana Ave, Connersville, IN, 47331 | 34.0 | |
| State Farm | Sid Bradley | 130 E 11th St, Brookville, IN, 47012-1008 | 16.1 | |
| State Farm | Cindy Bernzott | 115 Canyon Pkwy, Connersville, IN, 47331-1220 | 32.5 | |
| State Farm | Danette Volpenhein | 451 Bielby Rd, Lawrenceburg, IN, 47025-1057 | 7.3 | |
| Farmers | Anna Carney | 102 Front St Ste A, Lawrenceburg, IN, 47025 | 9.1 | |
| Allstate | Brian Fuller | 1605 Chester Blvd, Richmond, IN, 47374 | 43.3 | |
| Allstate | Booher & Taylor | 726 Green Blvd # 269, Aurora, IN, 47001 | 10.6 | |
| Travelers | Harrington-Hoch Inc | 1126 East Main St, Richmond, IN, 47374 | 41.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,180 | $600 |
| Dearborn County, IN | $160,800 | $889 | $600 | $1,240 | $640 |
| Bright, IN | $168,600 | $793 | $530 | $1,100 | $570 |
| New Miami, OH | $73,600 | $543 | $360 | $770 | $410 |
| Dayton, KY | $96,500 | $648 | $470 | $890 | $420 |
| Crittenden, KY | $120,900 | $727 | $490 | $1,000 | $510 |
| Decatur County, IN | $121,800 | $690 | $500 | $950 | $450 |
| Grant County, KY | $119,700 | $723 | $490 | $1,010 | $520 |
| Dupont, IN | $75,600 | $654 | $450 | $930 | $480 |
| Dublin, IN | $68,000 | $621 | $450 | $880 | $430 |
| Lewisburg, OH | $100,500 | $626 | $460 | $860 | $400 |
| Centerville, OH | $180,500 | $672 | $480 | $930 | $450 |
| Eldorado, OH | $80,900 | $567 | $380 | $780 | $400 |