Lafayette Insurance Rates:

Lafayette, IN homeowners insurance is nearly $684 to $928, about $57-$77/month. Our extensive guide indicates shoppers can save upto $322 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
At one point my rates tripled, which did not make me very happy. eventually, they did come back down. i never was quite sure why this happened, as i have never had a claim.
Allstate
One negative aspect of my insurance is the price. i don't like how i have to pay for some features that i don't even use.
Allstate
I like my insurance agent in general. she is very nice and takes her personal time to follow up with any unanswered questions.
Aaa
The only time there is some form of communication from the company is when I renew my policies or update something. I remember last year that one of my policies was going to expire or needed to be adjusted, I forget. I was the one initiating the renewal, not AAA.
State Farm
I have never had to file a claim, but every interaction that I have had with them has been pleasant and professional. I do not have any need or desire to change companies.
Metlife
My premiums for my homeowner's policy are reasonable. There is no reason for me to believe the company would be difficult to deal with. For now, I am satisfied with my home policy.
Allstate
Our local agent has been nothing but helpful. He has gotten back to us very quickly whenever we have had a question/issue.

Lafayette, IN Homeowners Insurance By Home Value

Lafayette, IN Home Value Total Homes % of Total Average Lafayette, IN Homeowners Insurance
Less than $50,000 748 5.0% $193
$50,000 to $59,999 318 2.0% $410
$60,000 to $69,999 943 6.0% $507
$70,000 to $79,999 1,638 11.0% $587
$80,000 to $89,999 1,508 10.0% $668
$90,000 to $99,999 1,881 13.0% $740
$100,000 to $124,999 3,210 22.0% $861
$125,000 to $149,999 1,581 10.0% $1078
$150,000 to $174,999 1,010 6.0% $1271
$175,000 to $199,999 477 3.0% $1473
$200,000 to $249,999 661 4.0% $1771
$250,000 to $299,999 269 1.0% $2165
$300,000 to $399,999 190 1.0% $2745

Top Home Insurance Agents Near Lafayette, IN

Home Insurance Company Near Lafayette, IN Homeowners Insurance Agency Near Lafayette, IN Address
Liberty Mutual Independent Consolidated Insurance Agency 118 W Washington St, Rensselaer, IN, 47978
Travelers Insurance Connection Inc 911 N MAIN ST, MONTICELLO, IN, 47960
State Farm Larry Bruce 11650 N Michigan Rd, Zionsville, IN, 46077-8949
State Farm Nick Pate 2115 W Alto Rd, Kokomo, IN, 46902-5397
Nationwide Nick Weybright Agency Inc 3905 W 96th St STE 1200, Indianapolis, IN, 46268

Cost Of Homeowners Insurance By Street Near Lafayette, IN

Streets in Lafayette Area Homeowners Insurance Cost
S 15th St, Summerfield Dr, Eisenhower Rd, Bridgewater Ct, Ridgeway Ave, Ferry St, Margesson Xing, Remington Dr, N 17th St, Salem St$838
Clifty Falls Ln W, Cougill Ln, Pecos Ct, Triple Jay Dr, Northchester Ln, Larue St, Valley St, S 475 W, Round Rock Cir, Windmill Dr$829
N 10th St, Perdue St, Moores Bay Rd, S 1000 E, Valley St, Rome Ct, Howell St, Owen St, Co Rd 350 S, Railroad St$796
Canyon Creek Cir, Taos Ct, Adina Pl, W 500 S, Wallace Ave, Greenlee St, Brady Ct, Stable Dr, Kingswood Rd N, King Fisher Cir$834
Lodi Ln, Rampart St, North Ct, Duke Ln, Pueblo Dr, S 29th St, Brown St, Canyon Creek Dr, Eppingham Dr, New Castle Rd$839
Stone Valley Ct, Wharfside Pkwy, Master Dr, E 400 N, Creekview Ct, Melbourne Rd, Southeast Rd, Mushroom Ln, Ash Ct, E 700 S$837
Rascal Dr, S 17th St, Old Co Rd 350 S, Thicket Trl, Poinsettia Ln, Coventry Ln, Midlothian Way, Samola Dr, Balsawood Dr, Blakely Dr N$834
Norwick Dr, Sunrise Ct, Mobley Ln, New York St, Mulberry Ct, Mariette Ln, Waterstone Dr, (Old US 231), Mc Grath Ave, Price Ct$839
Timber Trail Dr, Warner St, N 28th St, Rogers St, Pipers Glen Dr, S Creasy Ln, Shakamak Ct, Stuart Ct, Chesapeake Ct, Homerton St$798
Edward Way, Elmhurst Dr, S 12th St, Washington St, Lincoln St, Gregory Ave, W 660 S, S 150 E, King Fisher Dr, Saddle Dr$794

Lafayette, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lafayette$120 to $123
Tippecanoe County$123
Fairfield$120
Wea$122

Lafayette, 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
Tippecanoe County, Indiana $103 $137 $205
Fairfield township, Tippecanoe County, Indiana $101 $134 $201
Wea township, Tippecanoe County, Indiana $102 $136 $204

Lafayette, 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
Lafayette, IN6.8%20.8%
Tippecanoe County5.91%18.24%
Fairfield7.02%20.87%
Wea5.82%19.56%

Lafayette Renters Insurance as a Percentage of Rent

Lafayette Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 278 2.0% $355
$200 to $299 333 2.0% $805
$300 to $499 1,244 9.0% $1255
$500 to $749 5,862 42.0% $1930
$750 to $999 4,478 32.0% $2680
$1,000 to $1,499 1,296 9.0% $3805
$1,500 or more 168 1.0% $5455

Lafayette, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$2,700
Yearly Lafayette Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,300$6,700
Net Savings to Lafayette Home Owner from High Deductible Plan $600

Lafayette, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lafayette, IN Home Replacement Value MORE than Home Value Lafayette, IN Home Replacement Value LESS than Home Value
Replacement Value $94,000 $71,000
Insurance Premium based on Replacement Value $500 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,500 Risk Exposure from Under Insuring Coverage is $13,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $50/year

Example Lafayette Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceAllstate
Monthly Premium 1254635
Year Built 196919821947
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000$125000-$150000$100000-$125000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 175,000 Composition Roof 2,370 3 $500- $1000 Deductible 480 7 Fiber-Cement Siding yes
1945 150,000 Shingles Roof 2,340 4 $2500-$5000 Deductible 290 6 Vinyl siding No
1946 150,000 Metal Roof 2,140 3 $1000-$2500 Deductible 460 7 Fiber-Cement Siding yes
1985 230,000 Slate Shingles Roof 3,360 4 $5000 to $10,000 Deductible 130 2 Stucco siding No
1985 235,000 Slate Shingles Roof 3,230 4 $1000-$2500 Deductible 400 5 Brick siding yes
1999 235,000 Shingles Roof 3,130 4 > $10,000 Deductible 450 6 Fiber-Cement Siding No
1963 125,000 Wood Shake Roof 1,780 3 $2500-$5000 Deductible 130 4 Wood siding No
1975 255,000 Metal Roof 3,670 5 $1000-$2500 Deductible 960 8 Brick siding yes
2001 75,000 Slate Shingles Roof 1,290 2 $1000-$2500 Deductible 270 10 Wood siding yes
1981 135,000 Slate Shingles Roof 2,100 5 $500- $1000 Deductible 180 5 Fiber-Cement Siding yes
1997 90,000 Slate Shingles Roof 1,160 2 $1000-$2500 Deductible 300 10 Stone Siding yes
1981 225,000 Composition Roof 3,170 4 $1000-$2500 Deductible 60 1 Stucco siding yes
2005 400,000 Slate Shingles Roof 4,990 5 $500 Deductible 1780 9 Fiber-Cement Siding No
1967 160,000 Slate Shingles Roof 2,770 4 $1000-$2500 Deductible 210 5 Wood siding No
1993 175,000 Tile Roof 2,190 4 $1000-$2500 Deductible 750 10 Wood siding No
1987 90,000 Shingles Roof 1,540 2 $500 Deductible 180 5 Stone Siding yes
1979 90,000 Metal Roof 1,240 2 $1000-$2500 Deductible 30 1 Vinyl siding yes
2000 240,000 Membrane Roof 3,190 5 $1000-$2500 Deductible 560 5 Wood siding yes
1989 130,000 Asphalt Shingles Roof 2,160 3 $2500-$5000 Deductible 200 6 Stucco siding yes
1973 185,000 Membrane Roof 2,240 4 $500- $1000 Deductible 230 3 Stucco siding No