Gavop's guide to buying homeowners insurance in Adams 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 | $52,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $139,500 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $177,500 | $150,000 | $125,000-$150,000 |
| 4 Bedroom | $240,500 | $190,000 | $250,000-$300,000 |
| 5 Bedroom | $279,000 | $230,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $647 |
| Superior Protection Discount | -$71 | $718 |
| Fire & Security Discount | -$71 | $718 |
| Hail Resistant Roof Discount | -$24 | $765 |
| Newly Constructed Home Discount | -$189 | $599 |
| 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 |
| Adams County | $1,500 | $779 | $2,279 | $566 | $2,066 | $213 |
| Adams County, IN | $700 | $779 | $1,479 | $566 | $1,266 | $213 |
| Pennville, IN | $200 | $594 | $794 | $432 | $632 | $162 |
| Harlan, IN | $700 | $768 | $1,468 | $558 | $1,258 | $210 |
| Lake, IN | $200 | $881 | $1,081 | $640 | $840 | $241 |
| Niles, IN | $2,500 | $699 | $3,199 | $508 | $3,008 | $191 |
| Springfield, IN | $100 | $918 | $1,018 | $667 | $767 | $251 |
| Moulton, OH | $1,500 | $816 | $2,316 | $593 | $2,093 | $223 |
| Smith, IN | $300 | $665 | $965 | $483 | $783 | $182 |
| Greensburg, OH | $2,500 | $769 | $3,269 | $559 | $3,059 | $210 |
| Waterloo, IN | $100 | $634 | $734 | $461 | $561 | $173 |
| Lynn, IN | $2,000 | $607 | $2,607 | $441 | $2,441 | $166 |
| Home Insurance Company Adams County, IN | Homeowners Insurance Agency Adams County, IN | Address | Popularity Score | Distance from Adams County (miles) |
|---|---|---|---|---|
| State Farm | Scott Metzler | 625 S Tillotson Ave, Muncie, IN, 47304-4449 | 46.1 | |
| Travelers | Wise Insurance Agency Inc | 7410 Bluffton Rd, Fort Wayne, IN, 46809 | 22.2 | |
| Liberty Mutual Independent | Archbold & Lewis Insurance | 105 S Jefferson St, Ossian, IN, 46777 | 15.2 | |
| State Farm | Shari Tomac | 1055 Us Highway 27 N, Berne, IN, 46711-1025 | 5.5 | |
| Travelers | Old National Insurance | 1111 Chestnut Hills Pkwy Fort Wayne, Fort Wayne, IN, 46814 | 29.3 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 12.1 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 12.1 | |
| State Farm | Steve Rich | 230 S 2nd St, Decatur, IN, 46733-1667 | 5.7 | |
| State Farm | Pat Bryan | 10321 Illinois Rd, Fort Wayne, IN, 46814-9705 | 28.9 | |
| State Farm | Chris Moring | 10351 Dawsons Creek Blvd Ste A, Fort Wayne, IN, 46825-1904 | 31.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,190 | $610 |
| Adams County, IN | $118,900 | $789 | $530 | $1,090 | $560 |
| Adams County, IN | $118,900 | $789 | $570 | $1,130 | $560 |
| Pennville, IN | $63,700 | $601 | $400 | $860 | $460 |
| Harlan, IN | $107,700 | $777 | $550 | $1,070 | $520 |
| Lake, IN | $146,600 | $892 | $600 | $1,260 | $660 |
| Niles, IN | $88,500 | $707 | $510 | $980 | $470 |
| Springfield, IN | $161,900 | $929 | $660 | $1,280 | $620 |
| Moulton, OH | $195,500 | $826 | $560 | $1,140 | $580 |
| Smith, IN | $115,200 | $673 | $460 | $960 | $500 |
| Greensburg, OH | $167,800 | $778 | $520 | $1,110 | $590 |
| Waterloo, IN | $72,700 | $642 | $460 | $890 | $430 |
| Lynn, IN | $66,600 | $614 | $420 | $840 | $420 |