Gary, IN Home Insurance - Analysis On Quotes, Rates & Agents
Gary Insurance Rates:
Gary, IN homeowners insurance is nearly $664 to $900, about $55-$75/month. Our extensive research reveals consumers can save upto $312 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateI would recommend my company with a few words of warning on the slow customer service. Their rates are good compared to other companies and they do take care of problems.
ProgressiveMy past experiences with customer service reps easy to work with no issues that one can recall. Very knowledgeable and clear and concise with explanation of terms and conditions and policy procedures
State FarmState Farm offers cheaper and more affordable insurance to us versus others as lemonade only offers it to those in urban areas.
State FarmTheir customer service is available twenty-four seven, around the clock, which is great because i work weird hours and need them at weird hours.
AllstateThey shouldn't run ads that don't work for our state, it is not right to see things that really aren't offered to us
Farmer's InsuranceAfter filing my claims i always receive my funds in a quick and timely manner as to not disturb previous appointments and obligations.
American FamilyIt's very easy to use. It has a simple interface and everything is pretty clearly labeled. I like the convenience of being able to access everything on the go/
State FarmThey are big enough to give me the resources I need when required. They have offices everywhere and 24/7 call center.
Erie InsuranceSometimes, they took too long time to solve the problems. They were not always listen to you. You have to call them back several times. The interaction may be somehow painful.
Erie InsuranceI can't say I dislike anything about the company other than the premiums go up every year. Everything else I'm satisfied with especially communication and customer service.
AllstateI don't like that when my rates increase they offer no explanation when they send me my renewal documents. I want to know why things have changed and I don't want to have to call them to find out.
AllstateI like the professionalism and the speed in which my issue was handled. I like that when I called I was immediately answered and my claim was handled with ease.
Liberty MutualI'm very pleased with my insurance. The company has really been helpful to me with no hassles, they're on it. If an incident isn't covered like the flood, they explained to me why and asked .
Farmer's InsuranceWhen judging policies and companies, it just makes sense to take a cheaper, smaller company that competes with the large ones in offerings and price. I recommend my company.
Gary, IN Homeowners Insurance By Home Value
| Gary, IN Home Value | Total Homes | % of Total | Average Gary, IN Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 5,056 | 31.0% | $289 |
| $50,000 to $59,999 | 1,906 | 11.0% | $609 |
| $60,000 to $69,999 | 1,818 | 11.0% | $758 |
| $70,000 to $79,999 | 1,670 | 10.0% | $875 |
| $80,000 to $89,999 | 1,381 | 8.0% | $993 |
| $90,000 to $99,999 | 863 | 5.0% | $1110 |
| $100,000 to $124,999 | 1,355 | 8.0% | $1282 |
| $125,000 to $149,999 | 687 | 4.0% | $1603 |
| $150,000 to $174,999 | 563 | 3.0% | $1892 |
| $175,000 to $199,999 | 307 | 1.0% | $2189 |
| $200,000 to $249,999 | 295 | 1.0% | $2635 |
| $250,000 to $299,999 | 172 | 1.0% | $3214 |
Top Home Insurance Agents Near Gary, IN
| Home Insurance Company Near Gary, IN | Homeowners Insurance Agency Near Gary, IN | Address |
|---|---|---|
| State Farm | Camille Garrett | 72 E 95th St, Chicago, IL, 60619-7239 |
| State Farm | Chad Oberholtzer | 6610 N Milwaukee Ave, Niles, IL, 60714-4417 |
| Liberty Mutual Independent | Kozlowski & Associates | 8348 Kennedy Ave, Highland, IN, 46322 |
| State Farm | Susan Monaghan | 2609 W Peterson Ave, Chicago, IL, 60659-4004 |
| Liberty Mutual Independent | Technology Risk Manager Llc | 205 E BUTTERFIELD RD # 314, ELMHURST, IL, 60126 |
Gary, IN Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Gary, IN
| Streets in Gary Area | Homeowners Insurance Cost |
|---|---|
| N Shelby St, E 1st Ave, Harmony Ct, W 3rd Pl, Industrial Hwy, E 20th Ct, Marshalltown Ln, Tri City Plz, E 43rd Pl, S New Jersey St | $759 |
| Prospect St, Hovey Pl, E 35th Pl, E 44th Pl, S New Hampshire St, Arthur Pl, N Wayne St, W 33rd Ave, E Fourth Ave, E 51st Ave | $782 |
| W 28th Ave, W 2nd Pl, Montana St, W 52nd Pl, Juniper Ter, N Jasper St, N Spencer St, W 31st Ave, S Bend Ave, W 30th Ave | $822 |
| Dallas St, Access Rd, N Tippecanoe St, Sunrise Blvd, Hemlock Ave, Webster St, Maine St, N Clark Rd, W Wilson St, W 16th Ave | $777 |
| E 50th Ave, E 39th Ave, N Buchanan St, S Laporte St, Attucks Pl, Warren St, New Jersey St, E 13th Ave, W 35th Ave, E 45th Ave | $787 |
Gary, IN Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Gary | $117 to $119 |
| Calumet | $118 |
| New Chicago | $120 |
| Hobart | $121 |
Gary, 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 |
|---|---|---|---|
| Calumet township, Lake County, Indiana | $99 | $131 | $197 |
| New Chicago town, Indiana | $100 | $133 | $200 |
| Lake Station city, Indiana | $99 | $132 | $198 |
Gary, IN Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Gary, IN | 6.3% | 16.1% |
| Calumet | 6.0% | 16.14% |
| New Chicago | 6.16% | 20.65% |
| Lake Station | 6.32% | 15.03% |
Gary Renters Insurance as a Percentage of Rent
| Gary Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 895 | 6.0% | $368 |
| $200 to $299 | 774 | 5.0% | $818 |
| $300 to $499 | 1,313 | 9.0% | $1268 |
| $500 to $749 | 5,128 | 37.0% | $1943 |
| $750 to $999 | 3,468 | 25.0% | $2693 |
| $1,000 to $1,499 | 1,822 | 13.0% | $3818 |
| $1,500 or more | 203 | 1.0% | $5468 |
Gary, IN Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $1,600 |
| Yearly Gary Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $600 | $1,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,000 | $6,400 |
| Net Savings to Gary Home Owner from High Deductible Plan | $600 | |
Gary, IN Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Gary, IN Home Replacement Value MORE than Home Value | Gary, IN Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $74,000 | $48,000 |
| Insurance Premium based on Replacement Value | $425 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $17,500 | Risk Exposure from Under Insuring Coverage is $8,500 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $100/year |
Example Gary Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | American Family Insurance | GEICO Insurance |
| Monthly Premium | 44 | 40 | 78 |
| Year Built | 1950 | 1960 | 1941 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $175000-$200000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $500 Deductible |
Sample Home Insurance Rates for Gary, IN from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1957 | 130,000 | Slate Shingles Roof | 2,070 | 3 | $500 Deductible | 50 | 1 | Stucco siding | yes |
| 1952 | 80,000 | Metal Roof | 1,790 | 4 | $500 Deductible | 190 | 6 | Stucco siding | yes |
| 1965 | 115,000 | Metal Roof | 1,790 | 4 | $500 Deductible | 170 | 3 | Wood siding | No |
| 1963 | 145,000 | Slate Shingles Roof | 2,360 | 3 | $2500-$5000 Deductible | 40 | 1 | Brick siding | yes |
| 1949 | 295,000 | Tile Roof | 4,740 | 5 | > $10,000 Deductible | 490 | 6 | Stucco siding | yes |
| 1956 | 100,000 | Wood Shake Roof | 1,820 | 3 | $2500-$5000 Deductible | 40 | 1 | Vinyl siding | yes |
| 1967 | 105,000 | Tile Roof | 1,910 | 5 | $500 Deductible | 520 | 12 | Vinyl siding | yes |
| 1961 | 100,000 | Metal Roof | 1,470 | 3 | $1000-$2500 Deductible | 230 | 7 | Vinyl siding | yes |
| 1951 | 140,000 | Wood Shake Roof | 2,150 | 3 | $1000-$2500 Deductible | 200 | 5 | Fiber-Cement Siding | yes |
| 1966 | 195,000 | Tile Roof | 3,070 | 4 | $2500-$5000 Deductible | 410 | 6 | Stone Siding | yes |
| 1942 | 200,000 | Shingles Roof | 3,520 | 5 | $500- $1000 Deductible | 600 | 6 | Stone Siding | yes |
| 1946 | 125,000 | Membrane Roof | 2,210 | 4 | $1000-$2500 Deductible | 230 | 6 | Stone Siding | yes |
| 1954 | 100,000 | Tile Roof | 2,050 | 5 | $2500-$5000 Deductible | 160 | 7 | Vinyl siding | No |
| 1973 | 125,000 | Membrane Roof | 2,160 | 3 | $2500-$5000 Deductible | 270 | 8 | Brick siding | No |
| 1942 | 100,000 | Slate Shingles Roof | 2,160 | 5 | $500 Deductible | 170 | 4 | Fiber-Cement Siding | yes |
| 1959 | 145,000 | Membrane Roof | 2,370 | 4 | $500 Deductible | 460 | 9 | Wood siding | yes |
| 1977 | 110,000 | Asphalt Shingles Roof | 2,390 | 4 | $500 Deductible | 480 | 10 | Fiber-Cement Siding | No |
| 1973 | 190,000 | Composition Roof | 3,180 | 4 | $500 Deductible | 470 | 6 | Vinyl siding | No |
| 1963 | 80,000 | Wood Shake Roof | 1,380 | 3 | $2500-$5000 Deductible | 230 | 9 | Fiber-Cement Siding | No |
| 1968 | 135,000 | Asphalt Shingles Roof | 2,330 | 3 | $1000-$2500 Deductible | 780 | 12 | Wood siding | yes |
| 1963 | 220,000 | Shingles Roof | 3,690 | 5 | $500- $1000 Deductible | 280 | 4 | Stucco siding | No |
| 1953 | 270,000 | Shingles Roof | 4,630 | 5 | $500 Deductible | 300 | 2 | Stone Siding | yes |
| 1968 | 205,000 | Slate Shingles Roof | 3,200 | 5 | $2500-$5000 Deductible | 140 | 2 | Fiber-Cement Siding | No |
| 1963 | 100,000 | Shingles Roof | 1,910 | 3 | $500 Deductible | 40 | 1 | Wood siding | No |
| 1957 | 205,000 | Shingles Roof | 4,140 | 5 | $5000 to $10,000 Deductible | 470 | 9 | Stone Siding | No |
| 1955 | 195,000 | Shingles Roof | 3,170 | 5 | $5000 to $10,000 Deductible | 70 | 2 | Stucco siding | yes |
| 1972 | 195,000 | Metal Roof | 3,630 | 5 | $2500-$5000 Deductible | 460 | 10 | Stone Siding | yes |
| 1958 | 145,000 | Metal Roof | 2,650 | 5 | $2500-$5000 Deductible | 540 | 12 | Fiber-Cement Siding | No |
| 1950 | 135,000 | Shingles Roof | 2,110 | 3 | $500 Deductible | 770 | 10 | Wood siding | yes |
| 1954 | 80,000 | Tile Roof | 1,550 | 3 | $500- $1000 Deductible | 60 | 2 | Wood siding | No |
| 1973 | 165,000 | Wood Shake Roof | 3,370 | 5 | $500 Deductible | 1020 | 12 | Wood siding | No |
| 1979 | 130,000 | Slate Shingles Roof | 1,980 | 4 | $500 Deductible | 640 | 12 | Stucco siding | yes |
| 1968 | 100,000 | Slate Shingles Roof | 1,520 | 3 | $500- $1000 Deductible | 100 | 4 | Stucco siding | yes |
| 1971 | 140,000 | Tile Roof | 2,310 | 3 | $2500-$5000 Deductible | 200 | 5 | Brick siding | yes |