Boone County Insurance Rates:

Boone County, IN homeowners insurance is approximately $726 to $991, about $60-$82/month. Our all inclusive analysis indicates shoppers can save upto $343 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the best Cost of Homeowners Insurance in Boone County, IN

The average cost of home insurance in Boone County, IN, is $1022. As a Boone County, IN, homeowner, you know your home is your most valuable asset. And, like any other asset, you need to protect it with insurance. Home insurance protects your home and belongings in case of a covered loss, such as fire, theft, or severe weather. It also provides liability coverage if someone is injured on your property.

There are a few things to keep in mind when shopping for home insurance in Boone County:

1. Make sure to get quotes from several different insurers to compare rates.

2. Be sure to read the fine print of your policy so that you understand what is and isn't covered.

3. Don't hesitate to ask your agent any questions you have about your coverage.

The following factors can affect the cost of home insurance in Boone County, Indiana.

Cost of Home Insurance Based on the Deductibles in Boone County, IN

Your deductible is the amount you'll pay out of pocket before your insurance coverage kicks in. So, if you have a $500 deductible and your home is damaged in a covered event, you'll pay the first $500 of repairs yourself. Deductibles are one of the ways that insurance companies keep premiums low. You're sharing the risk with the insurer by agreeing to pay a larger portion of any potential claims. That allows them to charge a lower premium. Of course, that also means you'll need to have more money set aside in an emergency. That's why choosing a deductible you're comfortable with is important. For instance, in Boone County, Indiana, homeowners pay premiums of $860 and $780 for deductibles of $1500 and $2000, respectively. However, homeowners with a $500 or $1,000 deductible pay $1010 and $913, respectively. The most important thing to remember is that the higher your deductible, the lower your premium will be. So, if you're willing to take on more risk, you can save money on your homeowners insurance.

Cost of Home Insurance Based on the Safety Features in Boone County, IN

Here's a look at how your home's safety features can affect your homeowners insurance rates. If you have smoke detectors, a fire extinguisher, and a sprinkler system, you'll likely pay less for your homeowners insurance than someone who doesn't have these features. That's because homes with these features are less likely to suffer fire damage, and insurers view them as a lower risk. Homes with deadbolts in Boone County, Indiana, spend $930 for homeowner's insurance.

Cost of Home Insurance Based on the Age of the Home in Boone County, IN

It is a well-known fact that the age of the home is one of the most important factors in determining the cost of homeowners insurance. This is because older homes are more likely to have structural problems that can result in a claim being filed. In addition, older homes are also more likely to have outdated electrical and plumbing systems that can pose a risk to the home and its occupants. In Boone County, Indiana, houses over 30 and over 50 pay $1037 and $1061 in homeowner's insurance, respectively. However, newly constructed residences in Boone County, Indiana, may qualify for insurance savings of $756.

Boone County, IN Homeowners Insurance By Home Value

Boone County, IN Home Value Total Homes % of Total Average Boone County, IN Homeowners Insurance
Less than $50,000 792 5.0% $111
$60,000 to $69,999 164 1.0% $300
$70,000 to $79,999 419 2.0% $351
$80,000 to $89,999 546 3.0% $394
$90,000 to $99,999 675 4.0% $446
$100,000 to $124,999 2,249 15.0% $514
$125,000 to $149,999 1,579 11.0% $643
$150,000 to $174,999 1,479 10.0% $763
$175,000 to $199,999 1,218 8.0% $875
$200,000 to $249,999 1,568 11.0% $1055
$250,000 to $299,999 1,214 8.0% $1295
$300,000 to $399,999 2,030 14.0% $1638

Top Home Insurance Agents Near Boone County, IN

Home Insurance Company Near Boone County, IN Homeowners Insurance Agency Near Boone County, IN Address
State Farm Allison Gardner 989 S Creasy Ln, Lafayette, IN, 47905-4800
State Farm Cathie Preston 1206 N Lincoln Rd, Rockville, IN, 47872
Erie Clore Insurance Group Inc. 1845 S Us Highway 231, Crawfordsville, IN, 47933
Liberty Mutual Delbert Wray 2020 South State Road 135 Suite 203, Greenwood, IN, 46143
Travelers Priority Risk Management Inc 14074 TRADE CENTER DR STE 113, FISHERS, IN, 46038

Boone County, IN Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Boone County, IN

Streets in Boone County Area Homeowners Insurance Cost
W 800 N, 375 S, Rockwell Ct, Lafayette Ave, E Ash St, S Elm St, W Oak St, Meadow Ct, N 950 E, W Royal St$846
W 450 N, 280 E, N Main St, 275 S, N Enterprise Blvd, Creekside Pass, Garden Pt, S 275 N, 650 W, Cedar Mill Ct$983
Fairfield St, 200 E, 830 N, Mulberry St, Punkinvine Rd, Milledgeville Ave, Matterhorn Dr, S 525 E, W Washington St, Larkspur Ct$842
180 S, E 900 N, 500 W, W Henry Rd, Millerwood Dr, 600 W, Countryside Dr, N 1200 W, W 875 N, S 400 W$850
Pine Ridge South Dr, Spencer Ave, Whispering Way, S 800 E Rd, Elm Swamp Rd, N 750 E, S 125 E, Sorrell Ct, 125 E, Baronne St$823
425 W, N 8th St, N 1100 W, Dusty Laurel Rd, Kingsbury Way, W Russell Lake Dr, Jackson St, Smith St, E 300 N, W 131st St$862
Corniche Dr, 100 S, E Shorewood Dr, Porter St, Golden Grain Rd, Spring Violet Pl, W Fall Rd, N Blair St, 75 N, 350 W$884
200 E, Cherry Park, Jason Dr, Candlestick Ct, W 760 N, 300 N, N 640 E, Eagle Ct, White Lick Ln, Westmoor Dr$830
275 W, Wolverine Way, Redbud Ln, Esplanade St, Indianapolis Ave, N 675 W, 75 W, N West St, N 400 W, E 375 S$838
Hunters Ridge S, E Main St, 135 W, Adams Ct, W Brush St, Fox Trce, N 600 E, Lowery St, W 650 N, N 1175 W$842

Boone County, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Boone County$128 to $131
Ulen$138
Lebanon$121
Worth$125

Boone County, 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
Ulen town, Indiana $115 $153 $230
Lebanon city, Indiana $102 $135 $203
Worth township, Boone County, Indiana $105 $139 $209

Boone County, 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
Boone County, IN4.8%14.6%
Ulen3.65%11.69%
Lebanon6.14%16.02%
Worth5.02%15.89%

Boone County Renters Insurance as a Percentage of Rent

Boone County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 48 1.0% $325
$200 to $299 94 2.0% $775
$300 to $499 402 9.0% $1225
$500 to $749 1,457 32.0% $1900
$750 to $999 1,003 22.0% $2650
$1,000 to $1,499 1,010 22.0% $3775
$1,500 or more 443 9.0% $5425

Latest Home Insurance Reviews

State Farm
The only claim i've had was dealt with in a fast manner, without a lot of fuss.
State Farm
Another thing i do not like about state farm is the coverage for my home replacement was not as high as other company policies i looked at.
American Modern Insurance
There did not provide notice in case of termination and they didn't notify me when i lost my card and they didn't give me notice and my landlord provide notice for eviction.
Progressive
I don't know much about the premiums offered by other companies because I have not recently attempted to retrieve quotes.
Aaa
It could use some work for the graphic user interface. Also, some critical information should be shown in a more prominent manner.
Erie Insurance
Sometimes it takes a while to be able to get through to customer service.
State Auto
Parts of the website seem a little outdated. I don't use the mobile version. The website has limited options for changing how I can pay my premiums. Not 100% self-serve, I often have to also call into customer service.

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