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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Carmel, IN | 3.9% | 13.9% |
| Carmel | 3.89% | 13.89% |
| Westfield | 4.38% | 12.91% |
| Williams Creek | 2.58% | 10.3% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Carmel | $139 to $142 |
| Clay | $138 |
| Westfield | $131 |
| Williams Creek | $185 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | American Family Insurance | Erie Insurance | Farmers Insurance |
| Monthly Premium | 71 | 126 | 141 |
| Year Built | 1981 | 2014 | 1995 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $500000-$600000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |