Gavop's guide to buying homeowners insurance in DeKalb 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 | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $104,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $134,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $284,000 | $260,000 | $250,000-$300,000 |
| 5 Bedroom | $154,500 | $120,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $633 |
| Superior Protection Discount | -$69 | $703 |
| Fire & Security Discount | -$54 | $718 |
| Hail Resistant Roof Discount | -$23 | $749 |
| Newly Constructed Home Discount | -$178 | $595 |
| 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 |
| DeKalb County | $2,500 | $763 | $3,263 | $554 | $3,054 | $208 |
| DeKalb County, IN | $1,500 | $763 | $2,263 | $554 | $2,054 | $208 |
| Orange, IN | $200 | $851 | $1,051 | $618 | $818 | $232 |
| Rome City, IN | $2,500 | $985 | $3,485 | $716 | $3,216 | $269 |
| Wolcottville, IN | $500 | $661 | $1,161 | $480 | $980 | $181 |
| Albion, IN | $700 | $707 | $1,407 | $514 | $1,214 | $193 |
| Camden, MI | $100 | $689 | $789 | $500 | $600 | $188 |
| Reading, MI | $1,000 | $750 | $1,750 | $545 | $1,545 | $205 |
| North Webster, IN | $200 | $784 | $984 | $570 | $770 | $214 |
| Preble, IN | $2,000 | $897 | $2,897 | $652 | $2,652 | $245 |
| Ridgeville, OH | $300 | $731 | $1,031 | $531 | $831 | $200 |
| Ridge, OH | $700 | $707 | $1,407 | $514 | $1,214 | $193 |
| Home Insurance Company DeKalb County, IN | Homeowners Insurance Agency DeKalb County, IN | Address | Popularity Score | Distance from DeKalb County (miles) |
|---|---|---|---|---|
| State Farm | Morgan Hefty | 1153 W 15th St, Auburn, IN, 46706-2061 | 4.8 | |
| Liberty Mutual Independent | Archbold & Lewis Insurance | 105 S Jefferson St, Ossian, IN, 46777 | 37.0 | |
| State Farm | Kelli Southern | 265 N Duesenberg Rd, Auburn, IN, 46706-3664 | 3.1 | |
| Liberty Mutual Independent | Insurance Trustees Inc. | 120 S Randolph St, Garrett, IN, 46738 | 7.9 | |
| Allstate | Jeffrey W Griggs | 4340 Maplecrest Rd, Fort Wayne, IN, 46815 | 19.7 | |
| Liberty Mutual Independent | Hoch Insurance Agency Inc | 209 E Washington Center Rd, Fort Wayne, IN, 46825 | 19.9 | |
| State Farm | Ot Schroeder | 3546 Commerce Dr, Warsaw, IN, 46580-3950 | 43.5 | |
| Allstate | Justin Harkelroad | 220 Insurance Dr Ste D, Fort Wayne, IN, 46825 | 19.6 | |
| Liberty Mutual Independent | General Insurance Agency Inc | 1030 N Main St, Bluffton, IN, 46714 | 45.2 | |
| State Farm | Shawn Corbett | 6061 N Clinton St, Fort Wayne, IN, 46825-4903 | 19.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Indiana | $130,200 | $847 | $610 | $1,180 | $570 |
| DeKalb County, IN | $113,600 | $772 | $560 | $1,060 | $500 |
| DeKalb County, IN | $113,600 | $772 | $560 | $1,070 | $510 |
| Orange, IN | $135,300 | $861 | $580 | $1,190 | $610 |
| Rome City, IN | $193,800 | $997 | $680 | $1,420 | $740 |
| Wolcottville, IN | $79,100 | $669 | $480 | $920 | $440 |
| Albion, IN | $91,000 | $716 | $520 | $1,020 | $500 |
| Camden, MI | $86,400 | $697 | $480 | $960 | $480 |
| Reading, MI | $124,800 | $759 | $550 | $1,040 | $490 |
| North Webster, IN | $113,000 | $794 | $540 | $1,100 | $560 |
| Preble, IN | $153,000 | $908 | $610 | $1,250 | $640 |
| Ridgeville, OH | $148,600 | $740 | $530 | $1,010 | $480 |
| Ridge, OH | $137,200 | $716 | $520 | $990 | $470 |