Fort Wayne Insurance Rates:

Fort Wayne, IN home insurance is approximately $684 to $925, about $57-$77/month. Our comprehensive analysis shows customers can save upto $321 by comparing many quotes

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Read Fort Wayne, Indiana Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Fort Wayne Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $220/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1400 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1100/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 3990 sqft Rental Property Constructed In 1967 with Carpet Flooring, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Baths 4090 sqft Primary Residence Constructed In 1947 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 2060 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

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Fort Wayne Rates & Quotes Analysis:

Fort Wayne Area Estimated House Insurance
Montavilla Dr, Sugar Creek Rd, Poplar St, Kammeyer Rd, Albany Ct, Louden Dr, Buena Vista Dr, Westover Rd, Covington Commons Dr, Timber Ridge Ct$810
Brimstone Rd, Clear St, Ladue Ln, Anderson Ave, Hanover St, Morning Wind Pl, Saint Albans Ct, Kasselton Ct, York Ridge Pl, W Concord Ln$764
Oriole Cir, Creekwood Ln, Crandon Ln, Knollwood Ct, Vintners Way, Sheffield Way, Cutters Creek, E Fleming Ave, Mapledowns Dr, Glenrose Dr$802
Senate Ave, Juliette Ave, Broadmoor Dr, Paul St, Shalimar Cir, Colter Cv, California Ave, Abbey Place Ct, Patriot Dr, Goldenrod Pl$783
Lois Ln, Pinto Ln, Brookwood Pass, Beechwood Cir, Mannes Pine Cv, W Rudisill Blvd, Harrison St S, Neil Armstrong Trl, Copper Beach Run, Sakaden Pkwy$933
Hunters Cove, Hemingway Run, Druid Hills Dr, Highwood Dr, Farnsworth Dr, Shelter Field Run, Laurel Dr, E Douglas Ave, Derbyshire Dr, Norfolk Ave$736
Corvalis Ave, Willow Mound, Kirchner Trl, Dorothy Dr, Tennessee Ave, Mill Lake Cove, 1342, Thatcher Ct, Greenoak Blvd, Secretary Dr$838
Hemphill Dr, Craftsbury Cir, Buckskin Dr, Forest View Dr, Eckart St, Shalimar Dr, Madiera Dr, Foxtrot Ct, Venison Trl, Edgewood Ave$812
Samantha Dr, 1980, Daffodill Dr, Riviera Dr, Jewel Ct, Windjammer Ct, Flagstone Dr, Kennon Ct, Romane Dr, E Yoder Rd$810
Wheaton Dr, Pinsley Way, Bedrock Ct, Velmar Dr, Wallen Hills Dr, Southampton Dr, Woodland Xing, Redwood Estates Mhp, Misty Ct, Sylvan Meadows Dr$845

Insurance rates are influenced by a number of factors including:

  • Year Built: 19,334 Homes (16% of total) built between 1960 to 1969 in Fort Wayne are paying home insurance between $1,408-$1,420 and differs from Allen County (+$15), Aboite (+$83), Lake (+$58), Adams (-$15) and Churubusco (-$11).
  • Bedrooms: 49,257 3 bedrooms homes (43% of total homes ) in Fort Wayne are paying about $924 and differs from Aboite (+$47), Lake (+$31), Huntertown (+$19), Adams (-$9) and New Haven (-$4).
  • Auto Insurance Bundling: 30,051 Households (46% of all households) in Fort Wayne have 2 vehicles available and when it is bundled with home insurance you can save $160 compared to Allen County ($162), St. Joseph ($162), Adams ($159).
  • Senior Discounts: 29,161 seniors (more than 55 years) occupied housing units (44% of total) in Fort Wayne get discounts between $120 to $122. The comparative concessions in proximate regions such as Allen County, Adams and New Haven are $121, $119 and $120 respectively.
  • New Homes discounts: New homes such as the 37,442 homes built between 2000 to 2009 in Fort Wayne can save $160 and similar new home insurance discounts in nearby towns and cities like Allen County, St. Joseph and Adams are $162, $162 and $159 respectively.

Fort Wayne Homeowners insurance Facts

  • Fort Wayne, IN has 64,833 owner occupied houses which is 64.2% of all units whereas Allen County, St. Joseph and Adams have 70.24%, 70.0% and 66.29% respectively.
  • Fort Wayne, IN homeowners yearly insurance price at $804 is 0.8% of the typical house value of $100,200 which is in contrast with 0.72% in Allen County, 0.71% at St. Joseph & 0.91% in Adams.
  • Homeowners in Fort Wayne, IN pay 2.92% of their income ($25,000 to $29,999) in insurance whereas homeowners in Allen County, St. Joseph and Adams pay 2.96%, 2.96% and 2.89% respectively.
  • Fort Wayne, IN’s insurance is 6.8% of monthly housing costs of $984/month, for owners with a mortgage compared to 6.34% in Allen County, 6.48% at St. Joseph & 6.78% in Adams. But, for households without a mortgage, insurance is 20.1% of costs ($333 in Fort Wayne, IN) in contrast with 19.75% in Allen County, 19.99% at St. Joseph & 20.54% in Adams.

Fort Wayne, IN Home Values & Insurance rates

For example, insurance for 6,034 Homes (9.0% of total homes ) valued between $90,000 to $99,999 in Fort Wayne, IN is about $755. Rates in nearby areas in such as Allen County, St. Joseph, Aboite are cheaper by $81, $81, $295 respectively while Adams and New Haven are costlier by $104 and $53 respectively for similar homes.

Fort Wayne, IN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 7,881 12.0% $192
$50,000 to $59,999 2,551 3.0% $418
$60,000 to $69,999 3,559 5.0% $514
$70,000 to $79,999 5,477 8.0% $594
$80,000 to $89,999 6,823 10.0% $675
$90,000 to $99,999 6,034 9.0% $755
$100,000 to $124,999 9,944 15.0% $876
$125,000 to $149,999 8,006 12.0% $1101
$150,000 to $174,999 5,298 8.0% $1302
$175,000 to $199,999 2,510 3.0% $1503
$200,000 to $249,999 2,799 4.0% $1809
$250,000 to $299,999 1,525 2.0% $2202
$300,000 to $399,999 1,413 2.0% $2805

Renters Insurance in Fort Wayne

  • Average Renters Insurance in Fort Wayne :  $223($18/month)

  • Median Gross Rent in Fort Wayne :  $644

  • Fort Wayne Renters Insurance to Median Rent Ratio:  2.8%

  • Average household size of renter-occupied unit :  2.27

Fort Wayne Renters Insurance as a Percentage of Rent

Fort Wayne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 777 2.0% $355
$200 to $299 1,011 2.0% $805
$300 to $499 5,971 17.0% $1255
$500 to $749 15,653 44.0% $1930
$750 to $999 8,456 24.0% $2680
$1,000 to $1,499 2,492 7.0% $3805
$1,500 or more 498 1.0% $5455

Rent Affordability in Fort Wayne:

Approximately 39.0% (14,492) of households are spending more than 35% of their income on gross rent in Fort Wayne

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 5,400 14.0%
15.0 to 19.9 percent 5,156 14.0%
20.0 to 24.9 percent 4,662 12.0%
25.0 to 29.9 percent 3,937 10.0%
30.0 to 34.9 percent 2,589 7.0%
35.0 percent or more 14,492 39.0%

Protective device discount in Fort Wayne Up to :  $33

Claims-free discount in Fort Wayne Up to :  $44

Fort Wayne, IN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
46819 $99,200 $810
46816 $87,300 $810
46809 $83,000 $800
46805 $82,000 $800
46807 $79,300 $800
46808 $78,800 $800
46802 $53,100 $770
46806 $50,000 $770
46803 $43,800 $770
46814 $280,300 $930
46845 $192,500 $890
46804 $144,100 $850
46818 $129,200 $840
46835 $118,700 $830
46815 $115,900 $820
46825 $115,500 $820