Gavop's guide to buying homeowners insurance in Spencer County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $32,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $58,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $114,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $195,500 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $278,000 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$122 | $558 |
| Superior Protection Discount | -$61 | $619 |
| Fire & Security Discount | -$61 | $619 |
| Hail Resistant Roof Discount | -$14 | $667 |
| Newly Constructed Home Discount | -$143 | $538 |
| 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 |
| Spencer County | $1,000 | $672 | $1,672 | $489 | $1,489 | $184 |
| Spencer County, IN | $1,000 | $672 | $1,672 | $489 | $1,489 | $184 |
| Grass, IN | $200 | $683 | $883 | $496 | $696 | $187 |
| Dale, IN | $2,000 | $715 | $2,715 | $520 | $2,520 | $195 |
| Cannelton, IN | $100 | $610 | $710 | $443 | $543 | $167 |
| Lockhart, IN | $1,000 | $727 | $1,727 | $528 | $1,528 | $199 |
| Somerville, IN | $300 | $672 | $972 | $488 | $788 | $184 |
| Henderson, KY | $2,000 | $685 | $2,685 | $498 | $2,498 | $187 |
| Gibson County, IN | $400 | $738 | $1,138 | $536 | $936 | $202 |
| Ohio County, KY | $1,500 | $676 | $2,176 | $491 | $1,991 | $185 |
| Marrs, IN | $500 | $793 | $1,293 | $576 | $1,076 | $217 |
| McHenry, KY | $2,500 | $545 | $3,045 | $396 | $2,896 | $149 |
| Home Insurance Company Spencer County, IN | Homeowners Insurance Agency Spencer County, IN | Address | Popularity Score | Distance from Spencer County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Tri-State Insurance Group Llc | 981a S Kenmore Dr, Evansville, IN, 47714 | 26.7 | |
| Liberty Mutual Independent | Franzman Insurance Agency Inc | 723 Main St, Tell City, IN, 47586 | 13.8 | |
| State Farm | Vicki Brasel | 11 Vann Ave, Evansville, IN, 47714-1444 | 27.4 | |
| Liberty Mutual Independent | Harpenau Insurance Agency | 330 Main St, Troy, IN, 47588 | 11.5 | |
| State Farm | Chris Sanders | 3799 W State Route 62 Ste 103, Boonville, IN, 47601-9593 | 16.9 | |
| Erie | Anderson & Baur Insurance Llc | 821 12th Street, Tell City, IN, 47586 | 14.0 | |
| Liberty Mutual Independent | Schatz Insurance Agency | 1111 N Main St, Huntingburg, IN, 47542 | 20.6 | |
| Allstate | Jason Henderson | 546 E 4th St, Mount Vernon, IN, 47620 | 48.3 | |
| State Farm | Manuel Ramirez | 4709 Theatre Dr, Evansville, IN, 47715-1980 | 26.4 | |
| Allstate | Insurers Inc. | 1965 Main Street Po Box 100, Ferdinand, IN, 47532 | 17.4 |
| 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 |
| Spencer County, IN | $117,900 | $680 | $500 | $970 | $470 |
| Spencer County, IN | $117,900 | $680 | $490 | $960 | $470 |
| Grass, IN | $84,600 | $691 | $490 | $960 | $470 |
| Dale, IN | $93,000 | $724 | $520 | $1,010 | $490 |
| Cannelton, IN | $67,100 | $617 | $440 | $870 | $430 |
| Lockhart, IN | $96,100 | $736 | $540 | $1,010 | $470 |
| Somerville, IN | $81,900 | $680 | $480 | $960 | $480 |
| Henderson, KY | $109,900 | $693 | $490 | $980 | $490 |
| Gibson County, IN | $105,700 | $747 | $500 | $1,040 | $540 |
| Ohio County, KY | $88,300 | $684 | $490 | $940 | $450 |
| Marrs, IN | $173,600 | $802 | $590 | $1,110 | $520 |
| McHenry, KY | $51,800 | $552 | $370 | $760 | $390 |