Gavop shows you how to buy homeowners insurance in St. Joseph, IN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| St. Joseph, IN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Mathias St, Leroy Ave, Clubhouse Dr, Castle Ridge Pl, Lamplighter Ct, Lorman Ct, Winding Way Dr, Sakaden Pkwy, Dominion Dr, Pine Oak Ct | $113,000 | $100,000 | $75,000-$100,000 | $126,500 | $120,000 | $100,000-$125,000 |
| River Canyon Dr, Eicher Dr, Manhatten Cir, Rosebury Dr, Abington Dr, N Hill Dr, Greyhawk Dr, May Pl, Tranquilla Pl, Marqeio Ln | $166,500 | $140,000 | $150,000-$175,000 | $290,000 | $250,000 | $250,000-$300,000 |
| Boca Trl, Beechmont Dr, Clipper Cove, Goldenrod Dr, Chateau Pl, Brookshire Cir, Merrick Rd, Sunpointe Cv, Wicklow Ln, Willowwood Dr | $193,000 | $170,000 | $175,000-$200,000 | $155,000 | $140,000 | $150,000-$175,000 |
| River Forest Dr, Spruce Creek Pl, Oak Trail Rd, Middleboro Pl, Wood Meadows Ln, Camelot Dr, Horseshoe Bend, Dalewood Dr, Brampton Run, Dwight Dr | $121,000 | $100,000 | $125,000-$150,000 | $192,000 | $180,000 | $150,000-$175,000 |
| Havasau Dr, Plymouth Rd, Belton Ln, Tonawanda Ct, Weymouth Ct, Stanton Hall Pkwy, Bluffside Ave, Grapevine Ln, Hobson Dr, Bellingham Ln | $117,500 | $100,000 | $100,000-$125,000 | $132,500 | $110,000 | $125,000-$150,000 |
| Santa Lisa Ct, Maxim Dr, Quail Canyon Dr, Karen Ct, Upton Ct, Glencairn Dr, Belle Isle Pl, Arrowwood Dr, Inwood Ct, Lima Meadow Run | $169,000 | $150,000 | $125,000-$150,000 | $236,500 | $220,000 | $250,000-$300,000 |
| Taline Ct, Ravenswood Dr, Saddlewood Dr, Shorecrest Dr, W Arlington Park Blvd, Comfort Ct, Haffner Dr, N Arlington Park Blvd, Madiera Dr, Amulet Dr | $178,500 | $150,000 | $200,000-$250,000 | $235,500 | $220,000 | $250,000-$300,000 |
| Wyndemere Ln, Bayside Dr, Pleasant Valley Cir, River Run Trl, Redstone Ct, Regina Dr, Deerpointe Cv, Briardale Dr, Chicory Dr, E Saint Thomas Pt | $197,000 | $160,000 | $200,000-$250,000 | $294,500 | $260,000 | $200,000-$250,000 |
| Rupp Dr, Southlane Rd, Kirkfield Dr, Beacon Ridge Pl, Meadowbrook Dr, Stafford Dr, Midlothian Dr, Jacobs Creek Run, Oak Park Dr, Tanbark Ln | $138,500 | $120,000 | $150,000-$175,000 | $109,000 | $90,000 | $100,000-$125,000 |
| Beckett's Ridge Ln, Salge Dr, Bentley Woods Dr, Woodward Ave, Downeys Lndg, Nighthawk Dr, Cero Ct, Port Royal, Rabus Dr, Temberton Way | $189,500 | $160,000 | $150,000-$175,000 | $327,500 | $290,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$54 | $623 |
| Home and Two Car | -$115 | $562 |
| Home and Three Car | -$156 | $521 |
| 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 |
| Allen County | $2,000 | $781 | $2,781 | $568 | $2,568 | $213 |
| St. Joseph, IN | $2,500 | $669 | $3,169 | $486 | $2,986 | $183 |
| Aboite, IN | $100 | $807 | $907 | $586 | $686 | $220 |
| Allen, IN | $2,500 | $649 | $3,149 | $472 | $2,972 | $177 |
| Cecil, OH | $500 | $460 | $960 | $335 | $835 | $126 |
| Rockcreek, IN | $1,500 | $965 | $2,465 | $701 | $2,201 | $264 |
| Latty, OH | $200 | $612 | $812 | $444 | $644 | $167 |
| Otsego, IN | $2,500 | $922 | $3,422 | $670 | $3,170 | $252 |
| Eden, IN | $100 | $1,196 | $1,296 | $869 | $969 | $327 |
| Ottoville, OH | $2,500 | $729 | $3,229 | $530 | $3,030 | $199 |
| Jay County, IN | $1,500 | $637 | $2,137 | $463 | $1,963 | $174 |
| Home Insurance Company St. Joseph, IN | Homeowners Insurance Agency St. Joseph, IN | Address | Popularity Score | Distance from St. Joseph (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Clevenger Insurance Agency | 525 E Center St, Warsaw, IN, 46580 | 41.8 | |
| State Farm | Steve Hughes | 725 Broadway St Ste A, New Haven, IN, 46774-1673 | 5.3 | |
| State Farm | Shari Tomac | 1055 Us Highway 27 N, Berne, IN, 46711-1025 | 33.0 | |
| State Farm | John Carr | 1018 E Dupont Rd, Fort Wayne, IN, 46825-1554 | 4.5 | |
| Allstate | Keith Miller | 4930 Illinois Rd Ste 1, Fort Wayne, IN, 46804 | 8.9 | |
| Liberty Mutual Independent | Hoch Insurance Agency Inc | 209 E Washington Center Rd, Fort Wayne, IN, 46825 | 4.2 | |
| Travelers | Old National Insurance | 3811 Illinois Rd, Fort Wayne, IN, 46804 | 8.2 | |
| Travelers | R L Dunbar Insurance Inc | 3492-A Stellhorn Rd, Fort Wayne, IN, 46815 | 2.5 | |
| Allstate | Steven Westrick | 120 W Market St, Warsaw, IN, 46580 | 42.2 | |
| State Farm | Brian Thornson | 1505 W Dupont Rd, Fort Wayne, IN, 46825-1004 | 6.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,170 | $590 |
| Allen County, IN | $119,400 | $791 | $530 | $1,110 | $580 |
| St. Joseph, IN | $116,600 | $677 | $450 | $960 | $510 |
| Aboite, IN | $181,300 | $816 | $580 | $1,120 | $540 |
| Allen, IN | $109,400 | $657 | $440 | $930 | $490 |
| Cecil, OH | $52,000 | $466 | $310 | $640 | $330 |
| Rockcreek, IN | $184,000 | $977 | $670 | $1,380 | $710 |
| Latty, OH | $98,300 | $619 | $430 | $880 | $450 |
| Otsego, IN | $163,500 | $933 | $630 | $1,320 | $690 |
| Eden, IN | $311,000 | $1,211 | $860 | $1,730 | $870 |
| Ottoville, OH | $147,300 | $738 | $530 | $1,060 | $530 |
| Jay County, IN | $85,000 | $644 | $440 | $890 | $450 |