Decatur Insurance Rates:

Decatur, IN homeowners insurance is approximately $688 to $934, about $57-$77/month. Our exhaustive analysis reveals consumers can save upto $324 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa
In order to purchase home insurance, i also have to purchase a membership every single year as well which adds to the cost of the policy.
Erie Insurance
I like that my insurance company is local. i think it is important to support local businesses within the community. by having this insurance, i am able to support a local business.
Geico
I don't like the customer service they have when you try to call in and ask for help.
Nationwide
My agent has always been very attentive to my needs and everyone in her office is friendly regardless of why I visit. They seem to really enjoy their work and it shows.
Aaa
Sometimes the wait to speak to a representative is very long. Overall, I am happy with the customer service from my insurance company.
State Farm
THEY SENT A LOT OF PAPER INFORMATION WHICH IS A WASTE, SHOULD HAVE MORE ELECTRONIC DOCUMENTS
Liberty Mutual
Anytime we need to contact USAA, the representatives are always professional, courteous, and very helpful. We have never had an issue with customer service.
State Farm
I wish the insurance part of the customer service was open 24/7, but I understand and it isn't that big of a deal.
Amica Mutual Insurance
the best customer service and officers very friendly and helping me comparing to other they are very helpful solve the problems solution
Farmer's Insurance
The best rates, the most reliable customer service, and a representative that has always gone above and beyond to help us with our needs.

Decatur, IN Homeowners Insurance By Home Value

Decatur, IN Home Value Total Homes % of Total Average Decatur, IN Homeowners Insurance
Less than $50,000 453 5.0% $178
$50,000 to $59,999 222 2.0% $381
$60,000 to $69,999 338 4.0% $478
$70,000 to $79,999 465 5.0% $551
$80,000 to $89,999 568 7.0% $624
$90,000 to $99,999 928 11.0% $697
$100,000 to $124,999 2,304 29.0% $802
$125,000 to $149,999 1,210 15.0% $1005
$150,000 to $174,999 693 8.0% $1192
$175,000 to $199,999 328 4.0% $1378
$200,000 to $249,999 140 1.0% $1654
$300,000 to $399,999 106 1.0% $2570

Top Home Insurance Agents Near Decatur, IN

Home Insurance Company Near Decatur, IN Homeowners Insurance Agency Near Decatur, IN Address
Travelers Encompass Insurance Services Llc 201 N MAIN ST, TIPTON, IN, 46072
Travelers Jack A Miller Agency Inc 97 DOVER ST STE 100, AVON, IN, 46123
State Farm Larry Gaskill 16 E 29th St, Anderson, IN, 46016-5201
Travelers M J Schuetz Insurance Services 55 Monument Cir Ste 500, INDIANAPOLIS, IN, 46204
Erie Shepherd Insurance & Financial Services 333 8th Street, Columbus, IN, 47201

Cost Of Homeowners Insurance By Street Near Decatur, IN

Streets in Decatur Area Homeowners Insurance Cost
Senators Way, S Gerrard Dr, Kauai Ct, Stanley Rd, Brassica Way, Sleeping Ridge Dr, Emmert Dr, Cannonade Dr, Decatur Blvd, Ashby Dr$821
Bluff Point Way, Hodson Dr, Simmul Dr, Ten Oak Dr, Viewside Dr, Delphi Ct, Oak Knoll Dr, W Sumner Ave, Kenley Ave, Belle Union Dr$820
Waverhill Dr, Flynn Rd, Mendenhall Rd, Iron Liege Rd, Morningsong Dr, Governors Point Blvd, Nodlehs Dr, Highland Cir, Tincher Rd, Shasta Dr$818
Headwind Dr, Skerries Ct, Tampa Ct, Caley Ln, Otisco Ln, Honey Manor Ct, Grube St, Sandpebble Ct, Desoto Ct, Gambel Ct$818
Stymie Ct, Bar del E Dr, Oak Knoll Dr, Cliff Ridge Ct, Abalone Dr, Estate Blvd, Graymont Dr, Richard St, Hot Springs Way, Estate Dr$823

Decatur, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Decatur$121 to $123
Plainfield$125
Perry$122
Wayne$120

Decatur, 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
Plainfield town, Indiana $105 $139 $209
Guilford township, Hendricks County, Indiana $105 $139 $209
Perry township, Marion County, Indiana $102 $136 $204

Decatur, 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
Decatur, IN6.2%19.1%
Plainfield5.5%18.05%
Guilford5.68%17.52%
Perry5.85%18.23%

Decatur Renters Insurance as a Percentage of Rent

Decatur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 51 1.0% $352
$200 to $299 49 1.0% $802
$300 to $499 232 7.0% $1252
$500 to $749 1,173 38.0% $1927
$750 to $999 847 28.0% $2677
$1,000 to $1,499 662 21.0% $3802

Decatur, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Decatur Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,700$7,100
Net Savings to Decatur Home Owner from High Deductible Plan $600

Decatur, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Decatur, IN Home Replacement Value MORE than Home Value Decatur, IN Home Replacement Value LESS than Home Value
Replacement Value $89,000 $66,500
Insurance Premium based on Replacement Value $525 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,500 Risk Exposure from Under Insuring Coverage is $8,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Decatur Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceFarmers InsuranceAmerican Family Insurance
Monthly Premium 303639
Year Built 197020102002
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $75000-$100000$125000-$150000$100000-$125000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 180,000 Asphalt Shingles Roof 2,330 3 $500 Deductible 640 9 Wood siding yes
1960 165,000 Wood Shake Roof 1,910 4 $500- $1000 Deductible 550 9 Stucco siding yes
1982 150,000 Shingles Roof 2,500 4 $500 Deductible 120 2 Fiber-Cement Siding No
1963 135,000 Metal Roof 1,700 3 $2500-$5000 Deductible 310 6 Fiber-Cement Siding yes
1978 190,000 Shingles Roof 2,340 4 $500 Deductible 300 3 Stucco siding No
1979 140,000 Slate Shingles Roof 2,020 3 $500- $1000 Deductible 500 7 Brick siding No
2012 205,000 Membrane Roof 3,500 5 $500- $1000 Deductible 140 2 Stone Siding yes
2008 115,000 Composition Roof 1,740 4 $500- $1000 Deductible 490 10 Vinyl siding yes
2010 185,000 Wood Shake Roof 2,250 4 $500- $1000 Deductible 450 7 Vinyl siding yes
1960 285,000 Asphalt Shingles Roof 4,680 5 $1000-$2500 Deductible 920 9 Wood siding yes
2011 155,000 Slate Shingles Roof 2,370 4 $500- $1000 Deductible 710 12 Vinyl siding yes
1972 160,000 Shingles Roof 2,250 3 $5000 to $10,000 Deductible 90 2 Vinyl siding yes
1972 245,000 Wood Shake Roof 2,960 4 > $10,000 Deductible 710 12 Stucco siding No
1964 215,000 Asphalt Shingles Roof 2,440 4 $1000-$2500 Deductible 410 5 Fiber-Cement Siding yes
1969 120,000 Slate Shingles Roof 2,060 4 $1000-$2500 Deductible 90 2 Brick siding yes
2010 125,000 Slate Shingles Roof 1,680 3 $2500-$5000 Deductible 200 7 Stucco siding No
2009 100,000 Shingles Roof 1,420 3 $1000-$2500 Deductible 180 5 Stone Siding No
1973 110,000 Wood Shake Roof 1,880 3 $500 Deductible 640 12 Vinyl siding yes
2012 120,000 Shingles Roof 1,620 3 $1000-$2500 Deductible 100 3 Fiber-Cement Siding yes
1965 135,000 Composition Roof 1,620 4 $500 Deductible 590 12 Stucco siding No
2014 150,000 Asphalt Shingles Roof 2,010 3 $2500-$5000 Deductible 440 12 Wood siding No
1967 120,000 Composition Roof 1,910 4 $1000-$2500 Deductible 420 9 Fiber-Cement Siding yes
1968 130,000 Wood Shake Roof 1,910 3 $500- $1000 Deductible 40 1 Fiber-Cement Siding yes
1973 115,000 Tile Roof 1,330 3 $500- $1000 Deductible 70 2 Brick siding No
1969 265,000 Metal Roof 4,120 5 $5000 to $10,000 Deductible 160 3 Stucco siding No
2000 145,000 Metal Roof 2,290 4 $1000-$2500 Deductible 210 4 Vinyl siding No
2007 140,000 Asphalt Shingles Roof 2,010 4 $1000-$2500 Deductible 410 9 Stone Siding No
1971 260,000 Shingles Roof 3,690 5 > $10,000 Deductible 380 6 Stone Siding No
1960 220,000 Shingles Roof 2,960 5 > $10,000 Deductible 330 6 Wood siding No
2006 130,000 Composition Roof 1,770 3 $500- $1000 Deductible 340 8 Wood siding yes
1987 145,000 Tile Roof 2,110 3 $1000-$2500 Deductible 370 6 Stone Siding yes
2001 105,000 Metal Roof 1,720 3 $500 Deductible 290 6 Fiber-Cement Siding yes
1981 205,000 Wood Shake Roof 2,790 4 > $10,000 Deductible 590 12 Fiber-Cement Siding No