Bloomington Insurance Rates:

Bloomington, IN homeowners insurance is roughly $722 to $983, about $60-$81/month. Our complete analysis reveals consumers can save as much as $340 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Erie Insurance
I did indeed go with Erie Insurance based mainly on the fact that they were the cheapest. Well there is something to the saying you get what you pay for! I have a Thousand dollar deductible on top of it.
Aaa
I love my insurance and they pay for any damage to my house when it’s time to get it fixed they get it done fast and i love that
State Auto
I would recommend this company a 5, my experiences have been great so far.
Progressive
I think that other insurance providers may have cheaper quotes. I have not checked into them. I would rate my policy offering at a 2. I think it could be cheaper.
State Farm
I really enjoy this insurance company. everyone is always so friendly and willing to help when i call with issues at all.
Auto Owners
They send too much paper mail. it would be nice to have more options for electronic billing and regular communication.
Nationwide
I'm satisfied with this company and the process of handling claims. The employees are friendly and helpful and available when you need them.
American Family
My interaction and communications with my insurance company are limited to receiving my yearly copy of my policy and bill. I send my bill and receive several bills following. Their payment receiving department is slower than their billing department.
Grange Insurance
I feel like our premium is good for the coverage we get and also for the deductible we have. The rates aren't ridiculous at all.
Aaa
I have never used their customer service center but I feel it would be easy. I know you can chat online with them even.
American Family
The price that they quoted our house seems a little high to me. Also they don't work with you much on the price.
Allstate
I can call directly to my local office and they answer the phone. They seem very knowledgeable and anxious to help me, not just to give me the runaround.
State Farm
I would't recommend them just because of their aggressive customer service. I wouldn't want anyone in my friends or family to feel pressured and stressed by interactions with their office.
Erie Insurance
I'd highly recommend Erie for home insurance. We used a local agency which provided us with a rep who is online and available to answer questions at any time.
Geico
We have recommended to our family members and also to some friends who purchased their first home.

Bloomington, IN Homeowners Insurance By Home Value

Bloomington, IN Home Value Total Homes % of Total Average Bloomington, IN Homeowners Insurance
Less than $50,000 642 6.0% $119
$60,000 to $69,999 101 1.0% $315
$70,000 to $79,999 247 2.0% $366
$80,000 to $89,999 515 5.0% $417
$90,000 to $99,999 422 4.0% $460
$100,000 to $124,999 1,019 10.0% $536
$125,000 to $149,999 911 9.0% $673
$150,000 to $174,999 1,282 13.0% $792
$175,000 to $199,999 831 8.0% $920
$200,000 to $249,999 1,433 14.0% $1107
$250,000 to $299,999 994 10.0% $1354
$300,000 to $399,999 1,175 12.0% $1721

Top Home Insurance Agents Near Bloomington, IN

Home Insurance Company Near Bloomington, IN Homeowners Insurance Agency Near Bloomington, IN Address
Travelers Brooks Insurance Professionals 32 East Broadway Street, Shelbyville, IN, 46176
Travelers Isu Ins Services- Bright Ins Services Inc 1231 N STATE STREET, NORTH VERNON, IN, 47265
Erie Mark J Phillippe 5850 E Washington Street, Indianapolis, IN, 46219
State Farm Pete Fay Casl, Clu, Cpcu, Flmi, Chfc 431 E Northfield Dr, Brownsburg, IN, 46112-2208
State Farm Tanya Mitchell-Yeager 2666 E 2nd St, Bloomington, IN, 47401-5371

Bloomington, IN Home Insurance Agents for Top Companies


Bloomington, IN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Monroe County, Indiana $105 $140 $210
Richland township, Monroe County, Indiana $104 $138 $207
Van Buren township, Monroe County, Indiana $103 $137 $205

Bloomington, IN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bloomington, IN5.9%16.4%
Monroe County5.92%17.43%
Richland5.97%18.47%
Van Buren6.41%18.87%

Bloomington Renters Insurance as a Percentage of Rent

Bloomington Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 368 1.0% $328
$200 to $299 315 1.0% $778
$300 to $499 1,810 9.0% $1228
$500 to $749 7,052 35.0% $1903
$750 to $999 4,661 23.0% $2653
$1,000 to $1,499 3,776 19.0% $3778
$1,500 or more 1,664 8.0% $5428

Bloomington, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Bloomington Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Bloomington Home Owner from High Deductible Plan $600

Bloomington, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bloomington, IN Home Replacement Value MORE than Home Value Bloomington, IN Home Replacement Value LESS than Home Value
Replacement Value $177,500 $114,500
Insurance Premium based on Replacement Value $825 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example Bloomington Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 4517295
Year Built 197020051996
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $125000-$150000$400000-$500000$200000-$250000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Bloomington, IN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 180,000 Composition Roof 1,470 3 $2500-$5000 Deductible 400 6 Vinyl siding No
1997 115,000 Wood Shake Roof 1,210 2 $1000-$2500 Deductible 470 10 Vinyl siding yes
1976 120,000 Shingles Roof 1,420 3 $500 Deductible 540 12 Fiber-Cement Siding No
2010 200,000 Membrane Roof 2,400 3 $500- $1000 Deductible 170 3 Brick siding No
2007 100,000 Wood Shake Roof 1,120 2 $500- $1000 Deductible 260 5 Stucco siding No
1948 185,000 Asphalt Shingles Roof 1,670 4 $1000-$2500 Deductible 80 1 Stucco siding No
1988 390,000 Slate Shingles Roof 4,000 5 $1000-$2500 Deductible 1440 12 Brick siding yes
1996 390,000 Shingles Roof 4,190 5 $500 Deductible 1850 9 Wood siding yes
1982 200,000 Wood Shake Roof 2,460 5 $1000-$2500 Deductible 460 8 Wood siding No
1971 125,000 Membrane Roof 1,340 2 $500- $1000 Deductible 320 7 Brick siding yes
1949 145,000 Slate Shingles Roof 1,770 4 $500- $1000 Deductible 170 4 Vinyl siding No
1989 200,000 Composition Roof 1,800 4 $1000-$2500 Deductible 450 5 Stucco siding No
1975 155,000 Shingles Roof 1,640 2 $1000-$2500 Deductible 350 5 Brick siding yes
1975 185,000 Metal Roof 1,710 4 $2500-$5000 Deductible 410 8 Stone Siding No
2012 100,000 Tile Roof 1,000 2 $500 Deductible 250 6 Brick siding yes
2011 240,000 Slate Shingles Roof 2,800 5 > $10,000 Deductible 320 5 Stucco siding No
1945 225,000 Metal Roof 2,080 3 $500 Deductible 370 5 Vinyl siding yes
1977 90,000 Membrane Roof 970 2 $2500-$5000 Deductible 160 5 Brick siding yes
1989 140,000 Wood Shake Roof 1,180 2 $500 Deductible 50 1 Wood siding yes
2014 245,000 Tile Roof 2,130 3 $1000-$2500 Deductible 1030 12 Stone Siding yes
1998 205,000 Asphalt Shingles Roof 2,190 3 $5000 to $10,000 Deductible 60 1 Stucco siding yes
1973 390,000 Metal Roof 3,470 5 $2500-$5000 Deductible 950 7 Wood siding No
1980 210,000 Asphalt Shingles Roof 2,440 4 $500- $1000 Deductible 420 5 Stone Siding No
2013 190,000 Shingles Roof 1,960 4 $500 Deductible 550 7 Vinyl siding No
1944 195,000 Shingles Roof 1,990 4 $1000-$2500 Deductible 250 4 Brick siding yes
1996 150,000 Shingles Roof 1,750 5 $2500-$5000 Deductible 50 1 Wood siding yes
2013 395,000 Composition Roof 3,580 5 $500- $1000 Deductible 150 1 Stucco siding yes
1991 390,000 Tile Roof 4,660 5 $2500-$5000 Deductible 1020 10 Brick siding yes
1974 110,000 Slate Shingles Roof 930 2 $500- $1000 Deductible 70 2 Brick siding No
1945 240,000 Membrane Roof 2,070 5 $500 Deductible 1190 12 Stone Siding No
2013 115,000 Membrane Roof 1,010 2 $2500-$5000 Deductible 120 5 Stone Siding No
1983 115,000 Composition Roof 1,410 2 $500 Deductible 790 12 Stone Siding No
2002 160,000 Tile Roof 1,590 3 $1000-$2500 Deductible 390 9 Stone Siding No
2013 255,000 Tile Roof 2,250 4 $1000-$2500 Deductible 660 6 Wood siding yes

How To Make Your Bloomington, IN Home Insurnace Cheaper