Georgetown Insurance Rates:

Georgetown, IN home insurance is approximately $720 to $986, about $60-$82/month. Our detailed guide reveals consumers can save as much as $341 by comparing multiple quotes

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Georgetown Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $660/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 1970 sqft Rental Property Constructed In 1981 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $160/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1880 sqft Vacation Property Constructed In 1996 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Female 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

  • 700-749 Credit Score

Home Insurance Rate of $210/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1900 sqft Primary Residence Constructed In 2013 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Female who is Retired and has No Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $600/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2460 sqft Primary Residence Constructed In 2008 with Linoleum, Tile Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $830/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 4050 sqft Vacation Property Constructed In 1980 with Carpet Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1710 sqft Rental Property Constructed In 2013 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $160/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2570 sqft Primary Residence Constructed In 1987 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Married Female who is Unemployed 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

  • 700-749 Credit Score

Home Insurance Rate of $1180/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3280 sqft Vacation Property Constructed In 2012 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Georgetown, IN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
47122 $171,400 $860

Georgetown Rates & Quotes Analysis:

Georgetown Area Estimated House Insurance
Cherry Grove Ct, Pirtle Dr, Walts Rd, Brazil Blvd, Baker Rd, Clover Ridge Dr, Spring Hill Rd, Vale Hill Dr, Luther Ridge Ln, Walnut St$858
Corydon Ridge Rd, Hancock Rd, Old Georgetown Rd, Ridge Way, Stillbrooke Pl, Crabapple Dr, Quiet Way, E Relender Rd, Chipaway Ct, Alonzo Smith Rd$851
Schrieber Rd, Meadow View Dr, Quailwood Dr, Meadowood Dr, Owl Creek Rd, Gleneagles Ln, Farmgate Dr, Baylor Wissman Rd, Baylor Wissman Rd, Duffy Rd$890
State Rd 64, Frank Ott Rd, Cicalla Ct, Peach Tree Ln, Cristani, Jennifer Dr, Fairway Dr, Wolf Cemetery Rd, Lafollette Dr, Estate Dr$861
Pear Ridge Dr, Sarles Creek Rd, Shelby Ct, Carter Dr, Cooks Mill Rd, Spring Creek Dr, Circle Dr, Frank Ott Rd, Old Salem Rd, Sunset Ridge Ct$854

Insurance rates are influenced by a number of factors including:

  • Year Built: 487 Homes (12% of total) built between 1980 to 1989 in Georgetown are paying home insurance between $1,272-$1,285 and differs from Greenville (+$20), Carr (+$36), Mockingbird Valley(KY) (+$443), Floyd County (-$24) and Lanesville (-$65).
  • Bedrooms: 651 2 bedrooms homes (17% of total homes ) in Georgetown are paying about $785 compared to Greenville (+$12), Carr (+$22), Mockingbird Valley(KY) (+$158), Floyd County (-$14) and Lanesville (-$40).
  • Auto Insurance Bundling: 1,417 Households (44% of all households) in Georgetown have 2 vehicles available and when it is bundled with home insurance you can save $170. Discounts for similar bundling in close by locations such as Floyd County, Lanesville, Greenville come to $167, $161, $173 respectively.
  • Senior Discounts: 1,250 seniors (more than 55 years) occupied housing units (39% of total) in Georgetown get discounts between $126 to $129 and differs from Floyd County ($125), Lanesville ($121), Greenville ($129).
  • New Homes discounts: New homes such as the 1,798 homes built between 2000 to 2009 in Georgetown can save $170 and varies from Floyd County ($167), Lanesville ($161), Greenville ($173).

Georgetown Homeowners insurance Facts

  • Georgetown, IN has 3,179 owner occupied houses which is 89% of all units whereas Floyd County, Lanesville and Greenville have 72.28%, 59.3% and 89.36% respectively.
  • Georgetown, IN homeowners yearly insurance price at $853 is 0.49% of the typical house value of $174,400 which is in contrast with 0.56% in Floyd County, 0.75% at Lanesville & 0.45% in Greenville.
  • Homeowners in Georgetown, IN pay 3.1% of their income ($25,000 to $29,999) in insurance whereas homeowners in Floyd County, Lanesville and Greenville pay 3.04%, 2.94% and 3.15% respectively.
  • Georgetown, IN’s insurance is 5.4% of monthly housing costs of $1,325/month, for owners with a mortgage compared to 5.67% in Floyd County, 6.45% at Lanesville & 5.2% in Greenville. But, for households without a mortgage, insurance is 14.9% of costs ($476 in Georgetown, IN) in contrast with 16.89% in Floyd County, 23.99% at Lanesville & 17.02% in Greenville.

Georgetown, IN Home Values & Insurance rates

For example, insurance for 205 Homes (6.0% of total homes ) valued between $250,000 to $299,999 in Georgetown, IN is about $1,339. Rates in nearby areas in such as Greenville, Carr, Audubon Park are cheaper by $118, $208, $384 respectively while Floyd County and Lanesville are costlier by $184 and $715 respectively for similar homes.

Georgetown, IN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 122 4.0% $119
$60,000 to $69,999 65 2.0% $315
$70,000 to $79,999 43 1.0% $366
$80,000 to $89,999 108 3.0% $409
$90,000 to $99,999 123 4.0% $460
$100,000 to $124,999 272 9.0% $537
$125,000 to $149,999 349 11.0% $665
$150,000 to $174,999 502 16.0% $793
$175,000 to $199,999 310 10.0% $912
$200,000 to $249,999 619 20.0% $1100
$250,000 to $299,999 205 6.0% $1339
$300,000 to $399,999 253 8.0% $1706

Renters Insurance in Georgetown

  • Average Renters Insurance in Georgetown :  $112($9/month)

  • Median Gross Rent in Georgetown :  $817

  • Georgetown Renters Insurance to Median Rent Ratio:  1.1%

  • Renter occupied housing units in Georgetown :  393

Georgetown Renters Insurance as a Percentage of Rent

Georgetown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 6 1.0% $328
$300 to $499 23 6.0% $1228
$500 to $749 83 24.0% $1903
$750 to $999 108 31.0% $2653
$1,000 to $1,499 104 30.0% $3778
$1,500 or more 20 5.0% $5428

Protective device discount in Georgetown Up to :  $16

Claims-free discount in Georgetown Up to :  $22