Elkhart Insurance Rates:

Elkhart, IN homeowners insurance is about $676 to $917, about $56-$76/month. Our all inclusive analysis reveals consumers can save upto $318 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Farmer's does a good job of communicating what is covered and what is not covered under the policy. the company also made clear what the deductibles would be in the case of a hurricane, fire, or other accident.
Aaa
I like that i get my auto and home insurance from the same company. it's a large, nationally recognized company with an image to maintain, so they tend to treat their customers fairly.
Erie Insurance
This insurance company is affordable and reliable. they are fast with claims and pay out fair amounts for repairs needed.

Elkhart, IN Homeowners Insurance By Home Value

Elkhart, IN Home Value Total Homes % of Total Average Elkhart, IN Homeowners Insurance
Less than $50,000 1,624 16.0% $222
$50,000 to $59,999 658 6.0% $469
$60,000 to $69,999 705 7.0% $581
$70,000 to $79,999 1,149 11.0% $676
$80,000 to $89,999 1,235 12.0% $764
$90,000 to $99,999 871 8.0% $851
$100,000 to $124,999 1,566 15.0% $995
$125,000 to $149,999 951 9.0% $1241
$150,000 to $174,999 614 6.0% $1464
$175,000 to $199,999 185 1.0% $1695
$200,000 to $249,999 242 2.0% $2037
$250,000 to $299,999 192 1.0% $2491

Top Home Insurance Agents Near Elkhart, IN

Home Insurance Company Near Elkhart, IN Homeowners Insurance Agency Near Elkhart, IN Address
NA Cassady Nesser & Brasseur 340 Columbia Street South Bend, South Bend, IN, 46601
NA Rose Insurance Agency (Rome City) 301 Kelly St , Rome City, IN, 46784
Allstate Ed Stacker 719 Ship St, Saint Joseph, MI, 49085
State Farm Tom Breitenbach 5921 S Sprinkle Rd, Portage, MI, 49002-9712
Allstate Tri County Ins Agcy 110 E Rush St, Kendallville, IN, 46755

Cost Of Homeowners Insurance By Street Near Elkhart, IN

Streets in Elkhart Area Homeowners Insurance Cost
Jackson Pl, Pinecrest Dr, Knoll Dr, Bittersweet Ln, Thistle Ct, Rogers Rd, Stone Ct, Autumn Dr, Liberty Dr, Fieldhouse Ave$835
McDowell St, Cobblestone Way, Columbus Dr, Joshua Dr, Cameo Ct, Roseland Ave, Woodlawn Ave, Michael Ct, Sweetbay Dr, Strong Ave$819
W Marion St, Randolph St, Superior Blvd, Spring Meadow Ct, Victoria Dr, All Pro Dr, Greenleaf Blvd, Osolo Rd, Sunnybrook Ln, Sherman St$780
Hickory Ln, Co Rd 10 W, Tara Ln, Riverbend Cir, Stone Edge Dr, Sapphire Blvd, McDonald St, Arbutus St, Baxter Cir, Roseland Ave$805
Middlebury St, Spruce Ln, Ptarmigan Ct, Cortland Dr, Leonard Ave, Hall Ave, Donegal Ln, St Clair Ave, W Dinehart Ave, Lusher Ave$815
10th St, Noble St, Arcade Ave, Surrey Ln, Kirkwood Ct, Saint Patricks Dr, Hoover Rd, Hiawatha Dr, Socorro St, Susan St$810
Christiana Ln, Peach St, 45th St, N Highland Ave, Vista Ln, Deer Crossing Trl, Meadow Bank Ln, Connecticut Ave, Bishop Ct, Washington Sq$821
Himebaugh Ave, Londonderry Ct, Penwell Ave, Moyer Ln, Pine St, Oak Ln, Holiday View Dr, Tall Oaks Dr, Rue St, Gerald St$797
Leer Ct, Bel Ridge Dr, Cul de Sac, Briarton Dr, W Cleveland Ave, Brookside Dr, Dotson St, Sweetspire Trl, Winchester Ct, Oriole St$819
Minuteman Way, Locust Dr, Lillian St, Merle St, Primrose Ave, Marine Ave, Hill Dr, Sanders Ave, Midtown Ct, Marina Dr$817

Elkhart, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elkhart$119 to $121
Osolo$122
Concord$121
Simonton Lake$125

Elkhart, 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
Osolo township, Elkhart County, Indiana $122 $163 $245
Concord township, Elkhart County, Indiana $121 $161 $242
Cleveland township, Elkhart County, Indiana $122 $163 $245

Elkhart, 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
Elkhart, IN7.0%17.8%
Osolo6.15%17.57%
Concord6.76%20.37%
Cleveland6.73%17.55%

Elkhart Renters Insurance as a Percentage of Rent

Elkhart Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 255 2.0% $360
$200 to $299 410 4.0% $810
$300 to $499 1,284 14.0% $1260
$500 to $749 3,870 43.0% $1935
$750 to $999 2,424 27.0% $2685
$1,000 to $1,499 527 5.0% $3810

Elkhart, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Elkhart Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,300$10,100
Net Savings to Elkhart Home Owner from High Deductible Plan $1,200

Elkhart, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elkhart, IN Home Replacement Value MORE than Home Value Elkhart, IN Home Replacement Value LESS than Home Value
Replacement Value $163,000 $103,500
Insurance Premium based on Replacement Value $700 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $175/year

Example Elkhart Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmErie InsuranceChubb Group of Insurance
Monthly Premium 296826
Year Built 194719891979
Home Details 3 Beds, 1 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $75000-$100000$250000-$300000$75000-$100000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 155,000 Membrane Roof 2,500 4 $1000-$2500 Deductible 250 5 Stucco siding No
1964 85,000 Wood Shake Roof 1,500 2 $1000-$2500 Deductible 320 12 Brick siding yes
1981 80,000 Asphalt Shingles Roof 1,040 2 $2500-$5000 Deductible 240 9 Wood siding yes
1961 105,000 Composition Roof 1,660 5 $2500-$5000 Deductible 500 12 Wood siding No
1976 290,000 Slate Shingles Roof 3,730 5 $1000-$2500 Deductible 240 3 Wood siding yes
1943 110,000 Tile Roof 1,440 2 $2500-$5000 Deductible 210 10 Stone Siding No
1990 170,000 Slate Shingles Roof 2,480 4 $5000 to $10,000 Deductible 530 10 Wood siding yes
1974 80,000 Slate Shingles Roof 1,050 2 $500 Deductible 370 12 Stucco siding No
1942 90,000 Tile Roof 1,380 2 $2500-$5000 Deductible 390 10 Stone Siding No
1989 90,000 Asphalt Shingles Roof 1,330 2 $2500-$5000 Deductible 160 7 Fiber-Cement Siding No
1965 95,000 Wood Shake Roof 1,410 3 $500- $1000 Deductible 230 8 Vinyl siding yes
1996 145,000 Metal Roof 2,230 4 $500 Deductible 200 3 Stucco siding yes
1940 140,000 Tile Roof 1,830 4 $2500-$5000 Deductible 100 2 Vinyl siding yes
1985 70,000 Membrane Roof 1,110 2 $2500-$5000 Deductible 90 5 Stone Siding No
1998 190,000 Shingles Roof 3,560 5 $2500-$5000 Deductible 450 10 Vinyl siding No
2003 90,000 Composition Roof 1,680 2 $2500-$5000 Deductible 280 12 Stucco siding No
2001 225,000 Asphalt Shingles Roof 3,220 4 $5000 to $10,000 Deductible 480 7 Stone Siding yes