Fort Wayne Insurance Rates:

Fort Wayne ,IN Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Fort Wayne, IN homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Fort Wayne, IN is $1845. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Fort Wayne, IN: Customer-Reviewed Options


Fort Wayne, IN Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Fort Wayne, IN. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fort Wayne, IN.

Coverage Level Average Annual Premium
$100,000 $738
$200,000 $1,255
$300,000 $1,550
$400,000 $2,362
$500,000 $2,970


Fort Wayne, IN Homeowners Insurance Rates by ZIP Code

Home insurance costs in Fort Wayne can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
046819 $1,742
46816 $1,708
46809 $1,710
46805 $1,721
46807 $1,712
46808 $1,709
46802 $1,705
46806 $1,665
46803 $1,669
46814 $1,959
46845 $1,879
46804 $1,819
46818 $1,794
46835 $1,771
46815 $1,762
46825 $1,772


Fort Wayne, IN Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Fort Wayne, IN, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,892
$1000 Deductible $1,692
$1500 Deductible $1,596
$2500 Deductible $1,439
$5000 Deductible $1,218



Top Home Insurance Agents Near Fort Wayne, IN

Home Insurance Company Near Fort Wayne, IN Homeowners Insurance Agency Near Fort Wayne, IN Address
Allstate Justin Harkelroad 8812 Coldwater Rd, Fort Wayne, IN, 46825
State Farm Shari Tomac 1055 Us Highway 27 N, Berne, IN, 46711-1025
Travelers The Dehayes Group 5150 W Jefferson Blvd Fort Wayne, Fort Wayne, IN, 46804
Nationwide Thomas Parrett Aai/Lutcf 119 N Main St, Paulding, OH, 45879-1237
Erie Virtue Insurance Services Llc 7209 Mill Run Road, Fort Wayne, IN, 46819

Fort Wayne, IN Home Insurance Agents for Top Companies


Fort Wayne, 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
Allen County, Indiana $122 $162 $243
St. Joseph township, Allen County, Indiana $122 $162 $243
Adams township, Allen County, Indiana $119 $159 $239


Fort Wayne, 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
Fort Wayne, IN6.8%20.1%
Allen County6.34%19.75%
St. Joseph6.48%19.99%

Fort Wayne Renters Insurance as a Percentage of Rent

Fort Wayne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 777 2.0% $355
$200 to $299 1,011 2.0% $805
$300 to $499 5,971 17.0% $1255
$500 to $749 15,653 44.0% $1930
$750 to $999 8,456 24.0% $2680
$1,000 to $1,499 2,492 7.0% $3805
$1,500 or more 498 1.0% $5455

Cost Of Homeowners Insurance By Street Near Fort Wayne, IN

Streets in Fort Wayne Area Homeowners Insurance Cost
Montavilla Dr, Sugar Creek Rd, Poplar St, Kammeyer Rd, Albany Ct, Louden Dr, Buena Vista Dr, Westover Rd, Covington Commons Dr, Timber Ridge Ct$810
Brimstone Rd, Clear St, Ladue Ln, Anderson Ave, Hanover St, Morning Wind Pl, Saint Albans Ct, Kasselton Ct, York Ridge Pl, W Concord Ln$764
Oriole Cir, Creekwood Ln, Crandon Ln, Knollwood Ct, Vintners Way, Sheffield Way, Cutters Creek, E Fleming Ave, Mapledowns Dr, Glenrose Dr$802
Senate Ave, Juliette Ave, Broadmoor Dr, Paul St, Shalimar Cir, Colter Cv, California Ave, Abbey Place Ct, Patriot Dr, Goldenrod Pl$783
Lois Ln, Pinto Ln, Brookwood Pass, Beechwood Cir, Mannes Pine Cv, W Rudisill Blvd, Harrison St S, Neil Armstrong Trl, Copper Beach Run, Sakaden Pkwy$933
Hunters Cove, Hemingway Run, Druid Hills Dr, Highwood Dr, Farnsworth Dr, Shelter Field Run, Laurel Dr, E Douglas Ave, Derbyshire Dr, Norfolk Ave$736
Corvalis Ave, Willow Mound, Kirchner Trl, Dorothy Dr, Tennessee Ave, Mill Lake Cove, 1342, Thatcher Ct, Greenoak Blvd, Secretary Dr$838
Hemphill Dr, Craftsbury Cir, Buckskin Dr, Forest View Dr, Eckart St, Shalimar Dr, Madiera Dr, Foxtrot Ct, Venison Trl, Edgewood Ave$812
Samantha Dr, 1980, Daffodill Dr, Riviera Dr, Jewel Ct, Windjammer Ct, Flagstone Dr, Kennon Ct, Romane Dr, E Yoder Rd$810
Wheaton Dr, Pinsley Way, Bedrock Ct, Velmar Dr, Wallen Hills Dr, Southampton Dr, Woodland Xing, Redwood Estates Mhp, Misty Ct, Sylvan Meadows Dr$845

Fort Wayne, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fort Wayne$120 to $122
Allen County$121
New Haven$120

Fort Wayne, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fort Wayne Homeowner Insurance Premium Example $1,500$900
Out of Pocket Expense During Claim$1,500$4,500
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $10,500$9,900
Net Savings to Fort Wayne Home Owner from High Deductible Plan $600


Fort Wayne, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Wayne, IN Home Replacement Value MORE than Home Value Fort Wayne, IN Home Replacement Value LESS than Home Value
Replacement Value $17,000 $12,000
Insurance Premium based on Replacement Value $100 $75
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $1,500 Risk Exposure from Under Insuring Coverage is $3,500
Premium Impact Insurance cheaper by $25/year Insurance costlier by $0/year


Example Fort Wayne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceGEICO InsuranceAmerican Family Insurance
Monthly Premium 453890
Year Built 196019821995
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $175000-$200000$100000-$125000$175000-$200000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$500 Deductible