How Can I Make My Fort Wayne, IN Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Fort Wayne, IN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Estimate Appropriate Fort Wayne, IN Home Insurance Coverage Levels | Back to Top
| Fort Wayne, 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 | |
| Sovereign Dr, Cottage Ave, Michigan Ave, Firethorne Path, Marston Dr, W Melody Cir, Elmer Ave, Courtwood Dr, High St, Bellshire Way | $89,500 | $70,000 | $100,000-$125,000 | $79,500 | $60,000 | $50,000-$75,000 |
| Beach St, Maurane Dr, Arbor Ave, Brockport Run, Buena Vista Dr, Thatcher Ct, Paw Paw Dr, E Jacobs Ave, Cimarron Pass, Centerbrook Dr | $175,000 | $160,000 | $150,000-$175,000 | $97,000 | $90,000 | $100,000-$125,000 |
| Quachita Ct, Brook St, Delcon Dr, River Forest Dr, W Shenandoah Cir, Windjammer Ct, E Cook Rd, Grenadier Ct, Pleasure Ct, Woodhollow Trl | $249,000 | $200,000 | $200,000-$250,000 | $158,000 | $140,000 | $150,000-$175,000 |
| Welsh Dr, Wilkie Dr, Calvert Ct, Stone Mill Dr, Meadow Ridge Rd, Glenn Ave, Hickory Tree Ct, Fantasia Ln, Birchdale Dr, Albany Ct | $310,500 | $290,000 | $350,000-$400,000 | $221,500 | $210,000 | $175,000-$200,000 |
| Norfolk Ave, Bequette St, Yuma Dr, Dewberry Dr, Pluma Dr, Encino Dr, Denise Dr, Husted St, Rockcliff Ct, Bridgetown Run | $99,000 | $90,000 | $75,000-$100,000 | $79,500 | $80,000 | $75,000-$100,000 |
| Montford Dr, Landsdowne Dr, Edgerton St, Kinnerk Rd, Harvest Ln, Folkestone Dr, Marcy Ln, Winnsboro Pass, Aviation Dr, Northlawn Dr | $67,000 | $60,000 | $75,000-$100,000 | $47,500 | $40,000 | $50,000-$75,000 |
| Lyell Ct, Huffman St, Eagle View Ct, Covington Lake Dr, Westbreeze Trl, Bimini Ln, Deer Cove, Shannon Dr, Golden Oak Dr, Warsaw St | $128,000 | $110,000 | $125,000-$150,000 | $86,500 | $80,000 | $75,000-$100,000 |
| Starland Ct, Wadington Rd, Holly Ridge Run, Oak Mast Trl, Butterbough Ln, Countryview Dr, Heritage Park Dr, Thiele Rd, Greenway Rd, Pirate Cv | $201,500 | $180,000 | $150,000-$175,000 | $94,000 | $80,000 | $75,000-$100,000 |
| Milan Center Rd, Harvester St, Water Wheel Run, Cornerstone Pkwy, Lynn Ave, Treverton Ct, Underwood Cove, Rutland Ln, Hoevelwood Dr, Hempford Pl | $97,500 | $90,000 | $100,000-$125,000 | $136,000 | $120,000 | $150,000-$175,000 |
| Heron Preserve Trl, Kelso Ln, Broadmoor Ave, Distribution Dr, Waldron Cir, Hackberry Dr, Sylvan Meadows Dr, N Harbourside Dr, Live Oak Ct, Georgetown Ln | $165,000 | $140,000 | $175,000-$200,000 | $135,000 | $130,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Fort Wayne, IN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$142 | $607 |
| Superior Protection Discount | -$67 | $681 |
| Fire & Security Discount | -$67 | $681 |
| Hail Resistant Roof Discount | -$22 | $726 |
| Newly Constructed Home Discount | -$217 | $532 |
Choose the Right Deductible for your Fort Wayne, 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 |
| Allen County | $2,000 | $781 | $2,781 | $568 | $2,568 | $213 |
| Fort Wayne, IN | $1,000 | $740 | $1,740 | $538 | $1,538 | $202 |
| Aboite, IN | $300 | $807 | $1,107 | $586 | $886 | $220 |
| Smith, IN | $700 | $665 | $1,365 | $483 | $1,183 | $182 |
| Thorncreek, IN | $500 | $974 | $1,474 | $708 | $1,208 | $266 |
| Allen, IN | $1,000 | $649 | $1,649 | $472 | $1,472 | $177 |
| Mark, OH | $100 | $720 | $820 | $523 | $623 | $197 |
| Hoaglin, OH | $2,000 | $697 | $2,697 | $506 | $2,506 | $190 |
| Ridge, OH | $300 | $707 | $1,007 | $514 | $814 | $193 |
| Topeka, IN | $2,000 | $748 | $2,748 | $544 | $2,544 | $204 |
| Middle Point, OH | $300 | $524 | $824 | $381 | $681 | $143 |
| Jalapa, IN | $2,500 | $1,529 | $4,029 | $1,111 | $3,611 | $418 |
Identify Top Home Insurance Agents near Fort Wayne, IN | Back to Top
| Home Insurance Company Fort Wayne, IN | Homeowners Insurance Agency Fort Wayne, IN | Address | Popularity Score | Distance from Fort Wayne (miles) |
|---|---|---|---|---|
| Travelers | Wise Insurance Agency Inc | 7410 Bluffton Rd, Fort Wayne, IN, 46809 | 5.3 | |
| State Farm | Valentine White-Xayarath | 5533 S Anthony Blvd, Fort Wayne, IN, 46806-3317 | 4.1 | |
| Erie | Virtue Insurance Services Llc | 7209 Mill Run Road, Fort Wayne, IN, 46819 | 4.9 | |
| Allstate | Jeffrey W Griggs | 4340 Maplecrest Rd, Fort Wayne, IN, 46815 | 4.8 | |
| Allstate | Timothy Doud | 1501 Lincolnway E, Goshen, IN, 46526 | 48.0 | |
| Allstate | Susan L. Law | 5308 Saint Joe Rd, Fort Wayne, IN, 46835 | 3.6 | |
| Allstate | Justin Harkelroad | 220 Insurance Dr Ste D, Fort Wayne, IN, 46825 | 3.4 | |
| Travelers | R L Dunbar Insurance Inc | 3492-A Stellhorn Rd, Fort Wayne, IN, 46815 | 3.2 | |
| State Farm | Brad Taylor | 4308 Flagstaff Cv, Fort Wayne, IN, 46815-4416 | 6.5 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 22.8 |
Compare Rates for Fort Wayne, IN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $580 | $1,200 | $620 |
| Allen County, IN | $119,400 | $791 | $540 | $1,100 | $560 |
| Fort Wayne, IN | $106,500 | $749 | $540 | $1,040 | $500 |
| Aboite, IN | $181,300 | $816 | $560 | $1,160 | $600 |
| Smith, IN | $115,200 | $673 | $460 | $920 | $460 |
| Thorncreek, IN | $188,600 | $986 | $680 | $1,350 | $670 |
| Allen, IN | $109,400 | $657 | $470 | $910 | $440 |
| Mark, OH | $143,100 | $729 | $490 | $1,030 | $540 |
| Hoaglin, OH | $132,300 | $705 | $510 | $980 | $470 |
| Ridge, OH | $137,200 | $716 | $510 | $1,010 | $500 |
| Topeka, IN | $102,100 | $757 | $550 | $1,080 | $530 |
| Middle Point, OH | $69,600 | $530 | $380 | $750 | $370 |
| Jalapa, IN | $419,200 | $1,548 | $1,070 | $2,140 | $1,070 |
Research Home Insurance Companies Reviews in Fort Wayne, IN Before Buying | Back to Top
Share a review on your home insurance company
AAA Home Insurance Reviews
Date: August 19, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The deductible on my policy is fairly middle of the road; it was fairly inexpensive to submit this claim.
Date: August 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I haven't comparison shopped in a long time. But based very preliminary research, I think I could get cheaper rates, but I feel like I get a good value for what I pay. Never have any issues and they came through when actually needed
Date: August 05, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Policy Offerings
I use AAA for my condo insurance as well as for renters insurance. Policies cover things like theft, water damage, etc. I have made claims for both over the last 15 years
Date: August 02, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
It works well. I'm able to pay my bills there, see details of my policy, etc. The mobile app has allowed me to call for roadside service very easily directly from the app
Date: May 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
All interactions recently have been satisfactory. A small issue the last time I renewed, but they took responsibility and it was resolved quickly
Date: November 18, 2017 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Communication
Interaction is satisfactory. I don't need to interact often. I renew and pay online. But communication that way gives me all the information that I need
Allstate Home Insurance Reviews
Date: January 14, 2020 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
the customer service of all state is very good.
Date: September 20, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
Everything is covered in my house up to a certain dollar limit. I got extra riders for jewelry and instruments
Date: September 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
They have 2 layers of customer service. The first is through my agent's office. If they aren't available I can call the corporate number and talk to someone as well. In both cases, I received great personalized service.
Date: August 16, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
They are pretty good about sending out communication. The good part is that I actually read it because they don't send all the other crap and advertisements that turn you off like other companies do
Date: August 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I don't use it very often, but I found it pretty easy to use. I could see all the important data that I needed.
Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I shopped around before I purchased it. I was happy with the premium and found that I got a small discount for bundling.
GEICO Home Insurance Reviews
Date: December 27, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
My deductible is a little higher then I would like but all the rest I am paying less then others that I checked out
Date: August 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I have never had homeowners insurance other than what I currently receive from Geico. Geico has been such a great company so far, I do not intend on switching any time soon.
Date: July 31, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Pays to repair or rebuild the home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters. Also covers detached structures such as a garage, tool shed or gazebo.
Damage caused by a flood, earthquake or routine wear and tear.
Date: May 09, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
Every time I have contacted Geico about an issue or question regarding my coverage, they have been quick to help me get the answers I need.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I really enjoy that I can contact Geico online or over the phone to ask questions about my insurance coverage. There are a lot of people who cannot say that about their home insurance companies.
Date: November 18, 2017 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
Ease of use can find everything I need quickly. Easy to make a payment, view documents and call customer service when I need to.
State Farm Home Insurance Reviews
Date: December 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Our home owner insurance policy compares equally to other major insurance policies. One of the main benefits our company has is that even though we are located close to a fire zone, they gave us a standard rate.
Date: October 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I have had a good experience with State Farm as far as my home insurance is concerned. The local staff is friendly and very helpful when I have a question or issue.They have been a good company to work with.
Date: July 26, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The premium and deductibles are pretty expensive. I can count on them for help if my home has a serious problem like fire or some other form of damage.
Date: March 29, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
The deductible is a minimal amount. Very reasonable considering what I have heard some of my friends have to pay
Date: February 11, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
They’ve been very good. We had a tree fall on the house and it damaged the deck, and we had to file our first claim.
USAA Home Insurance Reviews
Date: October 21, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Currently what is covered is my home structure and inside belongings. We have replacement cost on our policy and fire protection. Flood insurance is not needed in this area.
Liberty Mutual Home Insurance Reviews
Date: September 11, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I have had two other providers and switched due to premium increases for the same coverage. Overall, I am satisfied with the policy offerings.
American National Property and Casualty Company Home Insurance Reviews
Date: November 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The policy offerings are excellent, American National Property and Casualty Company was one of the few companies that would insure more than 2-3 houses and their rates were way lower than anyone else we auditioned. The coverage is what we expect and thus far has delivered when we have needed it.
Auto Owners Insurance Home Insurance Reviews
Date: January 01, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I have not looked at other companies premims and deductibles in over 2 years, I am more than sure companies have changed and adapted their policies and prices in that time being. Why fix whats not broken though.
Farmer's Insurance Home Insurance Reviews
Date: December 30, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The premium is very low and the deductible is about the same as it would be with other insurance carriers.