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

Compare Quotes from Top Providers and Save now!

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


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.

GEICO Home Insurance Reviews

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.

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.

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.

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.


State Farm Home Insurance Reviews

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.

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.

Erie Insurance Home Insurance Reviews

American Family Insurance Home Insurance Reviews

8 Ways to Get Discounts on Homeowners Insurance in Richmond, IN

What Makes Your Richmond, IN Home Insurance Cheap or Expensive