Hammond Insurance Rates:

Hammond, IN homeowners insurance is roughly $680 to $922, about $56-$76/month. Our exhaustive analysis shows customers can save as much as $320 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa
The only thing that is negative i remember is the wait time for getting through to the customer representative. the wait time was long, but once answered, i was happy with their service.
Erie Insurance
One of the main reasons i went with erie insurance was because of the local agents and offices in my area. i like how easy it is to contact and communicate with both the agents and the offices in general.
Allstate
My deductible for home insurance is standard. I have hurricane and flood insurance which are both percentages of the home value. When shopping around, I found that to be the norm.
Allstate
The premium is my biggest frustration. Price continues to go up upwards of 10% every year. I imagine other companies are the same but I have not taken the time to price them out yet.
Allstate
I would recommend to have this for your home insurance because they are really good. They have really good deals to choose from and their customer service is the best of all.
Auto Owners Insurance
I got the policy because it was the cheapest policy once combined with my auto insurance. At the time, they were nearby local office.
State Farm
I have good experience with my rental insurance. Friendly customer service and if I ever have a question they always can answer my question. I would definitely recommend them to a friend.
State Farm
Totally 5 here. When comparing to others, this one was the best for me, and fit my needs excellent. I'd go with them again if I need to.
Progressive
I don't like that they do not give a larger discount for multi policyholders. i feel that if you have home and car etc. you should get a larger discount.
American Family
They are willing to call for birthdays and check in quarterly to make sure everything in my policy is up to date and needed.
Geico
Overall Geico is an excellent insurance company if you are looking for a human personable experience. Their policies are very high on the premium price and monthly payments.
Auto Owners
I haven't actually been in contact with customer service only the local agent, but he is extremely easy to contact and work with.
Auto Owners Insurance
I liked the affordability of the policy that saved our family approximately $630 annually. I also like that the Personal Umbrella Policy was very affordable compared to other carriers.
American Family
We got the insurance through our loan agent. We got a couple other quotes they were the cheapest. We choose according to price because we knew they were a national brand
Allstate
I have compared pricing and my current insurer is within the same range as all other carriers. If I found someone at a lower rate, I would switch.
Liberty Mutual
They have been pretty good the deductible is a little big but overall they have been pretty good.
Farmer's Insurance
the deductible is a little higher than other but the pay out off set that of the others
Liberty Mutual
I recommend this company to anyone because they are cost effective. And they truly care about their customer service. They are highly recommended by me.
State Farm
My agent is great and willing to work with me on the things I want. She isn't pushy with selling me certain things with insurance as I'm a newly graduated student who doesn't have a lot of money.

Hammond, IN Homeowners Insurance By Home Value

Hammond, IN Home Value Total Homes % of Total Average Hammond, IN Homeowners Insurance
Less than $50,000 1,412 7.0% $208
$50,000 to $59,999 936 5.0% $440
$60,000 to $69,999 1,363 7.0% $544
$70,000 to $79,999 1,857 10.0% $632
$80,000 to $89,999 2,538 13.0% $712
$90,000 to $99,999 2,297 12.0% $800
$100,000 to $124,999 4,126 22.0% $928
$125,000 to $149,999 1,838 10.0% $1160
$150,000 to $174,999 847 4.0% $1368
$175,000 to $199,999 478 2.0% $1576
$200,000 to $249,999 186 1.0% $1896
$250,000 to $299,999 249 1.0% $2320

Top Home Insurance Agents Near Hammond, IN

Home Insurance Company Near Hammond, IN Homeowners Insurance Agency Near Hammond, IN Address
NA Kuenkele Melady Insurance 475 N Main Street , Glen Ellyn, IL, 60137
State Farm Matt Maloney 3170 N Lincoln Ave, Chicago, IL, 60657
State Farm Mike Grant 7975 Lake St, River Forest, IL, 60305-1649
State Farm Roger Brown 491 Roosevelt Rd Ste 1, Glen Ellyn, IL, 60137-5608
State Farm Ed Patterson Ste 234 148 Randhurst Village Dr, Mt Prospect, IL, 60056-1149

Hammond, IN Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Hammond, IN

Streets in Hammond Area Homeowners Insurance Cost
Oakwood St, 176th St, E 173rd Pl, Myrtle St, Florence St, Wespark Ave, 126th St, California Ave, Claude Ave, 164th Pl$834
Becker St, Schneider Ave, Forestdale Ave, Summer St, Ben Levin Dr, Pointe Dr, Beall Ave, 117th Pl, Crane Pl, Wallace Rd$796
149th St, Willow Ct, Leland Ave, Porter Rd, Rhode Island Ave, Linden Pl, Alice Ave, Carroll St, 143rd St, Montana Ct$794
129th St, Huron Ave, Dearborn Ave, E 173rd Ct, Oakley Ave, Ogden St, 180th Pl, White Oak Ln, E 176th Ct, Old Columbia Ave$778
Drackert St, Woodhollow Ln, Lyman Ave, Colorado Ave, Arizona Ave, Rhode Ave, 131st Pl, Rosewood Ave, 108th St, Missouri Ave$808

Hammond, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hammond$120 to $122
North$122
Calumet City$111
Burnham$112

Hammond, 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
North township, Lake County, Indiana $122 $163 $245
Calumet City city, Illinois $111 $148 $222
Burnham village, Illinois $112 $149 $224

Hammond, 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
Hammond, IN6.1%17.2%
North5.65%16.17%
Calumet City4.1%12.46%
Burnham4.72%14.06%

Hammond Renters Insurance as a Percentage of Rent

Hammond Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 256 2.0% $358
$200 to $299 545 5.0% $808
$300 to $499 1,014 9.0% $1258
$500 to $749 2,873 28.0% $1933
$750 to $999 3,688 36.0% $2683
$1,000 to $1,499 1,668 16.0% $3808
$1,500 or more 114 1.0% $5458

Hammond, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Hammond Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,700$4,100
Net Savings to Hammond Home Owner from High Deductible Plan $600

Hammond, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hammond, IN Home Replacement Value MORE than Home Value Hammond, IN Home Replacement Value LESS than Home Value
Replacement Value $129,500 $91,500
Insurance Premium based on Replacement Value $750 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,000 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

Example Hammond Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmerican Family InsuranceChubb Group of Insurance
Monthly Premium 576567
Year Built 196419521940
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $200000-$250000$200000-$250000$125000-$150000
Deductible > $10,000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1948 195,000 Metal Roof 3,070 4 $1000-$2500 Deductible 240 4 Fiber-Cement Siding No
1962 95,000 Asphalt Shingles Roof 1,520 3 $1000-$2500 Deductible 90 3 Stucco siding yes
1951 190,000 Asphalt Shingles Roof 3,130 5 $1000-$2500 Deductible 790 12 Fiber-Cement Siding No
1942 110,000 Tile Roof 1,830 4 $500 Deductible 90 2 Brick siding No
1966 125,000 Asphalt Shingles Roof 1,570 2 $500- $1000 Deductible 600 10 Vinyl siding yes
1946 205,000 Tile Roof 3,100 4 $500 Deductible 500 6 Stucco siding yes
1952 90,000 Membrane Roof 1,640 2 $500- $1000 Deductible 30 1 Fiber-Cement Siding No
1942 245,000 Wood Shake Roof 3,470 5 $5000 to $10,000 Deductible 670 9 Wood siding No
1952 115,000 Metal Roof 1,620 2 $2500-$5000 Deductible 230 6 Brick siding yes
1967 255,000 Metal Roof 3,420 5 $500 Deductible 1390 12 Stucco siding No
1963 125,000 Wood Shake Roof 2,080 3 $500- $1000 Deductible 500 12 Vinyl siding No
1970 155,000 Shingles Roof 2,400 5 $2500-$5000 Deductible 380 8 Stone Siding yes
1978 130,000 Metal Roof 2,050 3 $500 Deductible 160 3 Stone Siding No
1944 140,000 Membrane Roof 2,520 5 $1000-$2500 Deductible 180 3 Brick siding yes
1943 75,000 Composition Roof 1,310 2 $1000-$2500 Deductible 160 5 Stucco siding yes
1944 120,000 Tile Roof 1,660 2 $1000-$2500 Deductible 560 12 Stucco siding yes
1963 110,000 Metal Roof 1,760 2 $500 Deductible 70 2 Wood siding No
1946 115,000 Asphalt Shingles Roof 2,080 4 $1000-$2500 Deductible 260 6 Fiber-Cement Siding yes
1977 140,000 Composition Roof 2,170 4 $2500-$5000 Deductible 470 10 Brick siding yes
1952 110,000 Wood Shake Roof 1,720 3 $2500-$5000 Deductible 280 8 Stucco siding yes
1952 90,000 Shingles Roof 1,310 2 $500- $1000 Deductible 40 1 Stone Siding No
1958 130,000 Membrane Roof 1,730 3 $1000-$2500 Deductible 40 1 Fiber-Cement Siding No
1975 130,000 Metal Roof 1,630 2 $500- $1000 Deductible 480 9 Fiber-Cement Siding yes
1979 255,000 Wood Shake Roof 4,360 5 $500- $1000 Deductible 390 3 Stucco siding No
1954 290,000 Asphalt Shingles Roof 3,800 5 $5000 to $10,000 Deductible 90 1 Stucco siding No
1952 245,000 Shingles Roof 3,480 5 $1000-$2500 Deductible 550 6 Vinyl siding yes
1943 100,000 Membrane Roof 1,380 3 $1000-$2500 Deductible 530 12 Brick siding No
1947 65,000 Shingles Roof 920 2 $1000-$2500 Deductible 20 1 Wood siding No
1943 230,000 Tile Roof 3,210 4 $2500-$5000 Deductible 210 3 Stucco siding No
1956 110,000 Asphalt Shingles Roof 1,360 2 $1000-$2500 Deductible 100 3 Fiber-Cement Siding yes
1942 250,000 Wood Shake Roof 3,690 5 > $10,000 Deductible 280 5 Vinyl siding yes
1953 270,000 Shingles Roof 4,050 5 $1000-$2500 Deductible 580 6 Brick siding No
1971 265,000 Wood Shake Roof 3,760 5 $500- $1000 Deductible 210 2 Brick siding No
1953 135,000 Tile Roof 2,240 3 $2500-$5000 Deductible 170 4 Wood siding No

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