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.
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 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|
|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|
|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|
|Place||Savings For Senior Occupied Homes|
|Boone County||$128 to $131|
|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|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Boone County, IN||4.8%||14.6%|
|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|