Hammond, IN - Homeowners Insurance Buying Guide

Gavop's guide to buying homeowners insurance in Hammond, 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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Select the Suitable Coverage Value for your Hammond, IN Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $33,500 $30,000 $25,000-$50,000
2 Bedroom $60,000 $60,000 $50,000-$75,000
3 Bedroom $109,000 $90,000 $75,000-$100,000
4 Bedroom $147,000 $120,000 $175,000-$200,000
5 Bedroom $221,500 $180,000 $200,000-$250,000

Estimate your Savings with Home Insurance Discounts in Hammond, IN | Back to Top

This table lists savings for a median home value of $94,800 and an average premium of $686

Discount Type Premium After Discount
Multipolicy Discounts $652
Superior Protection Discount $617
Fire & Security Discounts $617
Payment Discounts $665

Choose the Right Deductible for your Hammond, 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
Indiana $500 $590 $1,090 $490 $990 $100
Lake County, IN $2,000 $700 $1,200 $590 $2,590 $-1,390
Hammond, IN $1,000 $450 $950 $380 $1,380 $-430
Chicago Heights, IL $400 $560 $960 $480 $880 $80
Midlothian, IL $2,500 $790 $1,290 $660 $3,160 $-1,870
Oak Lawn, IL $100 $940 $1,040 $810 $910 $130
Willow Springs, IL $2,000 $1,210 $1,710 $1,030 $3,030 $-1,320
Hinsdale, IL $300 $1,980 $2,280 $1,720 $2,020 $260
Mount Prospect, IL $1,500 $930 $1,430 $810 $2,310 $-880
Deerfield, IL $200 $2,350 $2,550 $1,950 $2,150 $400
Seward, IL $1,000 $1,140 $1,640 $960 $1,960 $-320
South Barrington, IL $300 $2,190 $2,490 $1,860 $2,160 $330
South Elgin, IL $2,000 $1,040 $1,540 $870 $2,870 $-1,330

Identify Top Home Insurance Agents near Hammond, IN | Back to Top

Home Insurance Company Hammond, IN Homeowners Insurance Agency Hammond, IN Address Popularity Score Distance from Hammond (miles)
Travelers Midwest Insurance Center 944 W Us Highway 30, Schererville, IN, 46375
9.1
State Farm Marlene Moore 9222 Indianapolis Blvd Ste E, Highland, IN, 46322-2559
5.4
Liberty Mutual Independent Meyers Glaros Group 222 Us Highway 41 Ste 203, Schererville, IN, 46375
7.2
Erie The Mitchell Corporation 1160 Joliet Street Suite 101, Dyer, IN, 46311
9.0
State Farm Greg Taylor 390 W Us Highway 6, Valparaiso, IN, 46385-7900
18.8
State Farm Jim Kristoff 536 Indian Bdry Rd, Chesterton, IN, 46304-1515
23.4
Travelers Brown Insurance Group 9105a Indianapolis Blvd. Suite 300, Highland, IN, 46322
5.2
Allstate American Trust Ins 1315 119th St, Whiting, IN, 46394
4.0
State Farm Paul Dawning 5001 Cleveland Street, Gary, IN, 46408-2476
9.5
State Farm Kenya Hamilton 1256 Morthland Dr, Valparaiso, IN, 46385-6250
24.4

Compare Rates for Hammond, IN Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Indiana $123,400 $600 $430 $830 $400
Lake County, IN $137,400 $600 $440 $820 $380
Hammond, IN $94,800 $500 $360 $690 $330
Chicago Heights, IL $127,300 $690 $490 $960 $470
Midlothian, IL $169,800 $880 $630 $1,210 $580
Oak Lawn, IL $213,300 $1,260 $870 $1,790 $920
Willow Springs, IL $329,400 $1,250 $910 $1,730 $820
Hinsdale, IL $828,600 $1,660 $1,150 $2,340 $1,190
Mount Prospect, IL $316,300 $1,040 $750 $1,450 $700
Deerfield, IL $520,300 $1,720 $1,190 $2,370 $1,180
Seward, IL $213,000 $1,040 $740 $1,420 $680
South Barrington, IL $820,000 $1,800 $1,300 $2,570 $1,270
South Elgin, IL $218,600 $940 $690 $1,310 $620

Research Home Insurance Companies Reviews in Hammond, IN Before Buying | Back to Top

Share a review on your home insurance company


Farmer's Insurance Home Insurance Reviews

Date: April 16, 2019    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
We had a flood claim about 20 years ago and they said they would not cover it because we were not in a flood zone.

Date: April 03, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
We have been extremely satisfied with our home insurance company. Farmer's Mutual has been very easy to work with and we have never had an issue with their service.

Date: March 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I would rate Farmers a 5 for policy offerings on home insurance. From what I have seen they offer generally the same products as other home insurance carriers and their prices are competitive.


Date: November 18, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
The premium and deductible is quite competetive. Compared to other policies with the same coverage, I have a lower deductible. Very happy with my policy.

State Farm Home Insurance Reviews

Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I have never looked for another company when it comes to home owner's insurance. We have State Farm for everything. To be honest, I don't even know how much my deductible is.

Date: March 11, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
Owning a mobile home, not all insurance companies offer homeowner coverage. State Farm was able to ensure that I was adequately covered and saved me money over going through the mortgage company for my insurance needs.


USAA Home Insurance Reviews

Date: March 12, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
I rate the companies policy a 5. They have the best policy around.


AAA Home Insurance Reviews

Date: January 07, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
While our premium has increased significantly in the past four years, we recently ran rate comparisons and no one in our area had a lower rate. While disappointed in our significant increases (despite making no claims...there have been weather issues in our area), I can't complain much since other companies are higher.

American Family Home Insurance Reviews

Date: April 24, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
They are mid point in the industry as far as options go. Initially joined because a friend was an agent, however we're not seeing why we are keeping it at this point


MetLife Home Insurance Reviews

Date: October 28, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
This company has attractive packages, attractive promotions, good prices, compared to the competition.

Erie Insurance Home Insurance Reviews

Date: April 08, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
We pay about $700 a year for $200,000 coverage. For loss we have a $500 deductible. That covers structural damage and natural disaster damage, not flood.

Horace Mann Educators Corporation Home Insurance Reviews

Date: October 18, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
I have never used their website or app, or even know whether they offer such a service.

Progressive Home Insurance Reviews

Date: April 22, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I am extremely satisfied with them as they have always been helpful whenever I have worked with them. They offer good rates and pricing and are easy to get a hold of if needed.

Safeco Insurance Home Insurance Reviews

Date: March 28, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I think that, for the most part, Safeco's prices are pretty reasonable. Like most consumers, I'd like to pay less on my premium and deductible but I think it's a fair price.

Alfa Insurance Home Insurance Reviews

Date: March 06, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
The premium and deductibles are fair on a scale of 1 to 5 i would give a solid 4 .

GEICO Home Insurance Reviews

Date: April 07, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
THEY OFFER GOOD COVERAGE AND GOOD PRICES. GEICO CAN OFFER SIMPLE INSURANCE TO RENTERS INSURANCE TO UMBRELLA INSURANCE. THEY HAVE SOMETHING FOR ALL TYPES OF CUSTOMERS.