Carmel Insurance Rates:

Carmel, IN homeowners insurance is approximately $788 to $1,075, about $65-$89/month. Our complete analysis shows customers can save upto $372 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Pekin Insurance
Pekin insurance was initially brought to my family and me by our local insurance agent and since i have trust on this local insurance agent, i trusted that pekin insurance is a good home insurance company.
Aaa
When my son had an accident, they were very prompt to add points to my history. it resulted in a significant increase in three years.
Allstate
They provide good coverage at decent rates! even after making a claim, the rates did not go up too much!
Progressive
There is nothing I don't like about geico they came to my rescue a few years back when I was having issues with state farm, and IÃḃ€™ve never looked back.
Aaa
I like the ability to connect with them anytime I need to. They are very responsive to my needs and do a great job of returning my email/inquiries.
Progressive
It is very difficult to contact our local agent and his working hours are very limited.
Auto Owners
The company had the claim filed fast and to our satisfaction. Working out details with contractor, insurance company is very helpful getting quote detailed.

Carmel, IN Homeowners Insurance By Home Value

Carmel, IN Home Value Total Homes % of Total Average Carmel, IN Homeowners Insurance
Less than $50,000 174 1.0% $74
$90,000 to $99,999 226 1.0% $298
$100,000 to $124,999 493 2.0% $344
$125,000 to $149,999 555 3.0% $428
$150,000 to $174,999 1,475 8.0% $512
$175,000 to $199,999 1,598 9.0% $587
$200,000 to $249,999 3,987 23.0% $708
$250,000 to $299,999 3,130 18.0% $866
$300,000 to $399,999 5,139 30.0% $1109

Top Home Insurance Agents Near Carmel, IN

Home Insurance Company Near Carmel, IN Homeowners Insurance Agency Near Carmel, IN Address
State Farm Andrew Kennedy 12407 Old Meridian St, Carmel, IN, 46032-8713
Erie Brookson Insurance Llc 202 W Main Street, Greenwood, IN, 46142
Liberty Mutual Carina Lamb 11611 N. Meridian Street Ste 105, Carmel, IN, 46032
Liberty Mutual Independent Isu Insurance Service-Mayfield Agency 50 South Madison St., Mooresville, IN, 46158
State Farm Pete Marshall 6437 Rucker Rd Ste A, Indianapolis, IN, 46220-4868

Cost Of Homeowners Insurance By Street Near Carmel, IN

Streets in Carmel Area Homeowners Insurance Cost
Briarwood Trce, Bradbury Pl, E 151st St, Billy Creek Cir, 203rd St, W Tansey Xing, 10th St NW, Parkview Pl, Lake Point Dr, Towne Dr$875
W 31st, E 25th, Verdure Ln, Trumen Ct, Vinings Dr, Silver Spr, Riverwood Way, Aberdeen Bend, Armon Ct, Chesterton Dr$1,039
Brownstone Trce, State Rd 32 W, S Georgia St, Ethan Allen Ln, Walter Ct, Bauer Dr W, W Carmel Dr, Belle Forch Ct, Shoemaker Dr, Puffin Pl$853
Central Dr W, Redwood Dr, Potomac Ct, Lacosta Ln, Gwin Dr, W 169th St, Triple Crown Dr, Sedgwick Ln, E Greyhound Pass, Wintergreen Ln$969
Lake Forest Pkwy, Gaskin Way, Winfield Dr, Allison Ct, E 101st St, Walnutcreek Rd, San Marco Pass, Vali Dr, Longbow St, Woodland Cir$883
Trebah Cir, Rolling Springs Dr, Spring Highland Dr, Bridgeport Dr, Clear Lake Ct, Highland Cove, Barbano Ct, Adams St, E 481st, 3rd St NE$963
S Hamilton St, W Spencer St, Marbro Ln, Elyse Ln, Thornberry Dr, Clay Spring Dr, Nevelle Ln, Autumn Woods Dr, Cheval Pl, Stone Haven Dr$892
Springmill Ponds Blvd, Staghorn Dr, Shady Nook Rd, Hazel Foster Dr, Trowbridge Pass, Bali Hai Ct, Georgetown Ln, Foxfire Cir, 1st Ave NE, Coldwater Dr$983
W 151st St, Helford Ln, Medical Ct, Bridger Dr S, Sundance Ct, Mercury Ct, E 40th, Burke Dr, Feehan Dr, Torrey Pines Cir$1,042
Princeton Gate, Puntledge Dr, Salmon Dr, Dublin Dr, Amalfi Dr, Hill Crest Ct, Central Ave, W 186th St, Johnson Dr, Jessi Ln$962

Carmel, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Carmel$139 to $142
Clay$138
Westfield$131
Williams Creek$185

Carmel, 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
Clay township, Hamilton County, Indiana $116 $154 $231
Westfield city, Indiana $110 $146 $219
Williams Creek town, Indiana $155 $206 $309

Carmel, 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
Carmel, IN3.9%13.9%
Carmel3.89%13.89%
Westfield4.38%12.91%
Williams Creek2.58%10.3%

Carmel Renters Insurance as a Percentage of Rent

Carmel Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 88 1.0% $1183
$500 to $749 631 10.0% $1858
$750 to $999 2,045 34.0% $2608
$1,000 to $1,499 2,112 35.0% $3733
$1,500 or more 1,097 18.0% $5383

Carmel, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Carmel Homeowner Insurance Premium Example $2,200$1,600
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,300$16,100
Net Savings to Carmel Home Owner from High Deductible Plan $1,200

Carmel, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Carmel, IN Home Replacement Value MORE than Home Value Carmel, IN Home Replacement Value LESS than Home Value
Replacement Value $314,000 $224,500
Insurance Premium based on Replacement Value $1,825 $1,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,500 Risk Exposure from Under Insuring Coverage is $50,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $225/year

Example Carmel Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceErie InsuranceFarmers Insurance
Monthly Premium 71126141
Year Built 198120141995
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$300000-$350000$500000-$600000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1983 385,000 Slate Shingles Roof 3,120 4 > $10,000 Deductible 310 4 Vinyl siding No
1986 460,000 Membrane Roof 2,690 4 $500- $1000 Deductible 1720 10 Fiber-Cement Siding No
2013 330,000 Shingles Roof 2,290 4 $500 Deductible 360 2 Vinyl siding yes
2012 325,000 Metal Roof 1,820 3 > $10,000 Deductible 220 3 Wood siding No
2000 285,000 Membrane Roof 1,730 3 $2500-$5000 Deductible 680 9 Vinyl siding No
1995 200,000 Slate Shingles Roof 1,580 3 $2500-$5000 Deductible 140 3 Brick siding No
1991 200,000 Wood Shake Roof 1,280 3 $500- $1000 Deductible 360 6 Wood siding No
1989 280,000 Wood Shake Roof 1,880 3 $5000 to $10,000 Deductible 600 7 Stucco siding yes
2002 500,000 Metal Roof 4,060 5 $2500-$5000 Deductible 430 2 Stucco siding yes
1998 240,000 Asphalt Shingles Roof 1,790 3 $1000-$2500 Deductible 450 5 Vinyl siding No
1993 890,000 Metal Roof 4,920 5 > $10,000 Deductible 1260 6 Fiber-Cement Siding yes
2014 345,000 Tile Roof 1,990 4 $500- $1000 Deductible 370 2 Fiber-Cement Siding yes
1983 425,000 Metal Roof 2,780 4 > $10,000 Deductible 220 2 Vinyl siding yes
1996 275,000 Metal Roof 1,570 3 $2500-$5000 Deductible 1370 12 Stone Siding yes
2014 365,000 Composition Roof 2,090 4 $500- $1000 Deductible 570 4 Vinyl siding yes
1991 395,000 Composition Roof 2,550 4 $1000-$2500 Deductible 1220 9 Stone Siding yes
1994 890,000 Asphalt Shingles Roof 4,930 5 > $10,000 Deductible 820 4 Brick siding yes
2003 345,000 Metal Roof 2,200 4 $500 Deductible 1000 7 Stucco siding yes
1988 225,000 Membrane Roof 1,410 3 $1000-$2500 Deductible 230 3 Fiber-Cement Siding No
2011 315,000 Slate Shingles Roof 1,850 5 $500 Deductible 680 6 Stone Siding yes