How Can I Make My Richmond, IN Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Richmond, 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.
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Estimate Appropriate Richmond, IN Home Insurance Coverage Levels | Back to Top
| Richmond, 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 | |
| S Q St, W Cart Rd, S 29th St, N B St, Clearview Dr, Linkay Pl, Roby Ln, Willow Grove Rd, SW A St, N 21st St | $104,000 | $90,000 | $100,000-$125,000 | $44,500 | $40,000 | $25,000-$50,000 |
| SW J St, S 7th St, NW 13th St, Endsley Rd, Sedgwick St, Canterbury Trl, Sim Hodgin Pkwy, Gurney Dr, Leeds Rd, Bossert Way | $193,000 | $180,000 | $200,000-$250,000 | $115,000 | $100,000 | $100,000-$125,000 |
| North Dr, S 12th St, Chestnut Cir, Dana Dr, S C St, N Germantown Rd, Main Cross Rd, Cobine Pl, NW 19th St, NW 9th St | $137,500 | $130,000 | $150,000-$175,000 | $61,000 | $50,000 | $50,000-$75,000 |
| Skyline Dr, Three Mile Rd, Abington Twp, Williamsburg Pike, Indiana Ave, NW N St, Pinetree Ln, Kniese Rd, Autumn Wood Pl, SW 11th St | $165,000 | $140,000 | $175,000-$200,000 | $115,500 | $100,000 | $100,000-$125,000 |
| S 8th St, S 5th St, Arbor Dr, Wolfe Rd, S B St, Highland Rd, US Hwy 27, Delwood Ln, SW 13th St, Vi Post Rd | $172,500 | $140,000 | $150,000-$175,000 | $111,500 | $100,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in Richmond, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $552 |
| Superior Protection Discount | -$67 | $606 |
| Fire & Security Discount | -$54 | $619 |
| Hail Resistant Roof Discount | -$20 | $653 |
| Newly Constructed Home Discount | -$182 | $491 |
Choose the Right Deductible for your Richmond, 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 |
| Wayne County | $700 | $706 | $1,406 | $513 | $1,213 | $193 |
| Richmond, IN | $2,500 | $665 | $3,165 | $483 | $2,983 | $182 |
| West Alexandria, OH | $100 | $585 | $685 | $425 | $525 | $160 |
| Adams, OH | $2,500 | $669 | $3,169 | $486 | $2,986 | $183 |
| Seven Mile, OH | $400 | $644 | $1,044 | $468 | $868 | $176 |
| Bradford, OH | $1,500 | $571 | $2,071 | $415 | $1,915 | $156 |
| Pleasant Hill, OH | $100 | $653 | $753 | $475 | $575 | $178 |
| St. Leon, IN | $1,000 | $965 | $1,965 | $701 | $1,701 | $264 |
| Middletown, IN | $200 | $632 | $832 | $460 | $660 | $173 |
| Milroy, IN | $2,000 | $603 | $2,603 | $438 | $2,438 | $165 |
| Daleville, IN | $400 | $655 | $1,055 | $476 | $876 | $179 |
| Lebanon, OH | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
Identify Top Home Insurance Agents near Richmond, IN | Back to Top
| Home Insurance Company Richmond, IN | Homeowners Insurance Agency Richmond, IN | Address | Popularity Score | Distance from Richmond (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Associated Agencies Inc | 1220 Broad St, New Castle, IN, 47362 | 26.5 | |
| State Farm | Sid Bradley | 130 E 11th St, Brookville, IN, 47012-1008 | 28.7 | |
| State Farm | Pat James | 901 S A Street, Richmond, IN, 47374-5521 | 0.3 | |
| Allstate | Brian Fuller | 1605 Chester Blvd, Richmond, IN, 47374 | 1.4 | |
| Liberty Mutual Independent | Harrington-Hoch Inc | 1126 East Main St, Richmond, IN, 47374 | 0.2 | |
| State Farm | Mike Miller | 1825 W Main St, Richmond, IN, 47374-3821 | 2.1 | |
| State Farm | Roger Roudebush | 421 W 53rd Street, Anderson, IN, 46013-1507 | 45.1 | |
| State Farm | Warren Cunningham | 1322 N A St, Richmond, IN, 47374-3231 | 0.4 | |
| State Farm | John Hostetler | 3225 E Main St, Richmond, IN, 47374-5926 | 1.8 | |
| Allstate | Scott D Richards | 1105 W Main St, Greenfield, IN, 46140 | 47.8 |
Compare Rates for Richmond, 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 | $1,180 | $560 |
| Wayne County, IN | $96,500 | $715 | $490 | $990 | $500 |
| Richmond, IN | $85,300 | $673 | $480 | $960 | $480 |
| West Alexandria, OH | $88,900 | $592 | $420 | $820 | $400 |
| Adams, OH | $120,400 | $677 | $460 | $940 | $480 |
| Seven Mile, OH | $110,400 | $652 | $440 | $920 | $480 |
| Bradford, OH | $84,300 | $578 | $390 | $810 | $420 |
| Pleasant Hill, OH | $113,800 | $661 | $450 | $940 | $490 |
| St. Leon, IN | $183,900 | $977 | $650 | $1,340 | $690 |
| Middletown, IN | $72,300 | $640 | $440 | $880 | $440 |
| Milroy, IN | $65,700 | $610 | $410 | $840 | $430 |
| Daleville, IN | $77,800 | $663 | $460 | $920 | $460 |
| Lebanon, OH | $166,700 | $652 | $440 | $910 | $470 |
Research Home Insurance Companies Reviews in Richmond, IN Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: January 04, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
GEICO is very comparable to other insurance policies like Allstate and Progressive. They always try and match or come very close to other companies prices and customer service.
Date: August 14, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I would have to rate them a 3 as I have no experience with them. I have never had to call and everything has been done online. I have never needed to file a claim.
Date: November 10, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
It is very easy to navigate and find what I am looking for. Very simple and not too complicated so it's not over stimulating to find what you're looking for.
Allstate Home Insurance Reviews
Date: December 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
The customer service has always been extremely responsive to any concerns or questions we have had. Additionally, they have worked with us on getting the best price for our area.
Date: November 08, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
Customer service is very good, always very responsive. Wait times are usually minimal, although I don't usually have to call during peak hours.
State Farm Home Insurance Reviews
Date: January 16, 2020 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
In order to get the lowest yearly possible rate, we went with the $2000 deductible. I'm very happy with that deductible considering we are covered for up to $550,000 if anything catastrophic happens to our home.
Date: January 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Our premium and deductible are very reasonable and very affordable and We always get awesome customer service 24 hours a day.
Nationwide Home Insurance Reviews
Date: September 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The premium and deductible on my policy are exactly where they need to be. In the event I have a small loss I am still covered to the point paying the deductible makes sense.
Liberty Mutual Home Insurance Reviews
Date: February 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Thankfully its not often we need to contact our insurance however when we've call the customer service has been friendly when we were able to get a hold of a representative after the phone wait.
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: July 02, 2019 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
I like our insurance, but to be honest, haven't comparison shopped in a while.
American Family Insurance Home Insurance Reviews
Date: December 24, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
in my point of home insurance customer service is best because good response to all the queries and explained very well.so my experience is best with home insurance company customer service.
Farmer's Insurance Home Insurance Reviews
Date: June 18, 2019 Age: 50 to 59 Gender: Unmarried Marital Status: Female
Premium
My premium tends to run a bit on the high side. But from any reviews that I have read, better to pay a little extra than not to have true coverage when needed.