Mishawaka Insurance Rates:

Mishawaka, IN homeowners insurance is about $680 to $921, about $56-$76/month. Our thorough research shows customers can save upto $320 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Also another negative is that recently the price of my insurance has been rising lately because of the very active hurricane season we are facing right now in florida.
American Modern Insurance
Also sometimes it can take a while to get things accomplished because my home insurance is brokered through another agency so requests must be made through my insurance agent through the agency and then passed onto the home insurance company which delays the process.
State Farm
What is positive about the whole process is that i immediately know my total damaged amount and that amount is written out to me on the spot. i know what i have to work with.
American Family
I think they focus too much on sending out notices. I wish they had more paperless options. I'm also not a fan of all of the "personal" touches our agent does.
Aaa
I am happy with the premium several years ago I looked around my area and stopped in and chatted with agents for a quote and found all were well over $300 and some over $500.
American Family
We looked at several different companies and this premium was not the lowest but we felt it was the best value for our money and budget.
State Auto
My insurance agent is pretty good. His team has saved me money over the years and are usually available when I need them

Mishawaka, IN Homeowners Insurance By Home Value

Mishawaka, IN Home Value Total Homes % of Total Average Mishawaka, IN Homeowners Insurance
Less than $50,000 1,055 9.0% $208
$50,000 to $59,999 467 4.0% $440
$60,000 to $69,999 1,223 11.0% $552
$70,000 to $79,999 1,027 9.0% $632
$80,000 to $89,999 1,132 10.0% $720
$90,000 to $99,999 1,195 11.0% $800
$100,000 to $124,999 1,580 14.0% $928
$125,000 to $149,999 1,076 10.0% $1168
$150,000 to $174,999 920 8.0% $1376
$175,000 to $199,999 303 2.0% $1592
$200,000 to $249,999 417 3.0% $1912
$250,000 to $299,999 149 1.0% $2336

Top Home Insurance Agents Near Mishawaka, IN

Home Insurance Company Near Mishawaka, IN Homeowners Insurance Agency Near Mishawaka, IN Address
NA Don Young Insurance 323 N Main St, Watervliet, MI, 49098
NA Findeisen Agency 1290 Barron Lake Rd , Niles, MI, 49120
State Farm Ben Baier 932 Parkway Ave Ste A, Elkhart, IN, 46516-9345
Liberty Mutual Independent Kfg Insurance Agency 6910 N Main St 6910 N Main St Granger, Mishawaka, IN, 46530
Erie Leadership Insurance Agency Inc. 52303 Emmons Rd #31 , South Bend, IN, 46637

Cost Of Homeowners Insurance By Street Near Mishawaka, IN

Streets in Mishawaka Area Homeowners Insurance Cost
Hazel Rd, Wellington Ct, Ronnies Dr, Garden Ln, Valentia Dr, Brook Ave, W Edison Rd, Bellows Falls Dr, Downey Ave, Settlers Cove Ct$843
Brown Ave, Charlotte St, Sunrise Trl, Dahlia Ct, Willowbrook Dr, Misty Harbor Ct, Sharpe Bridge Dr, Waterton Square Cir, N Virgil St, Canoe Landing Ct$791
Park Ln S, Sharpstone Ct, Clover Ridge Dr, Fox Pointe Ln, Prospect Dr, Ewing Ave, Bailey Ave, Anchor Dr, Canterbury Cove, S Shore Dr$894
Rose Bud Ln, Stickler Ave, Miracle Ln, Princeton Ct, Filmore St, St Abbs Ct, Concord Ct, Painted Ridge Trl, Siena Ct, Saturn Dr$871
N Byrkit Ave, Ruth St, N Church St, Monte Vista Dr, S Pine St, Bowood Ct, Park Ave, Hagey St, N Lakeshore Dr, E Broadway St$797
Irish Way, Village Cir, Ravenwood Dr, Acorn Ln, Lookout Pointe Ct, Prospect Dr, Mockingbird Trl, Brent Haven Ct, Mariellen Ave, Shady Oaks Ct$801
Bridge Water Way, Brunswick Square Dr, Rosemont Pl, Anchor Ct, Milburn Ct, Clifden Dr, Bancroft St, Old Trace Ct, Capital Ave, Blair Hills Ave$818
S Alford St, Midlothian Ct, Lexingham Dr, Providence Dr, Bellows Falls Ct, Norwich Dr, Cottage Ave, Chestnut Ridge Dr, Stagecoach Ct, Louis St$878
Interurban St, Buffalo Trl, Evard Dr, Blue Ridge Dr, Timber Trl, Ridge Pl, Shanhower Ct, N Mason St, Bennington Ct, Quail Ridge Dr$813
Oak St, Summit Ln, Canyon Ln, Wedgewood Dr, Nebraska Ln, E Day Rd, N West St, Oak Hill Bld, Stonemason Ct, Old Farm Rd$802

Mishawaka, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Mishawaka$119 to $122
Penn$121
Indian Village$124
Granger$129

Mishawaka, 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
Penn township, St. Joseph County, Indiana $102 $135 $203
Indian Village town, Indiana $103 $137 $206
Osceola town, Indiana $101 $135 $202

Mishawaka, 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
Mishawaka, IN6.8%18.7%
Penn6.37%20.02%
Indian Village5.38%23.93%
Osceola6.77%25.99%

Mishawaka Renters Insurance as a Percentage of Rent

Mishawaka Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 147 1.0% $358
$200 to $299 322 3.0% $808
$300 to $499 1,387 14.0% $1258
$500 to $749 4,078 41.0% $1933
$750 to $999 2,880 29.0% $2683
$1,000 to $1,499 841 8.0% $3808
$1,500 or more 197 1.0% $5458

Mishawaka, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Mishawaka 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 Mishawaka Home Owner from High Deductible Plan $600

Mishawaka, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mishawaka, IN Home Replacement Value MORE than Home Value Mishawaka, IN Home Replacement Value LESS than Home Value
Replacement Value $196,500 $121,500
Insurance Premium based on Replacement Value $1,050 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,000 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $250/year

Example Mishawaka Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAmerican Family Insurance
Monthly Premium 313779
Year Built 199619842004
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $50000-$75000$100000-$125000$175000-$200000
Deductible $500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 185,000 Composition Roof 2,860 4 $5000 to $10,000 Deductible 340 6 Fiber-Cement Siding No
1989 140,000 Metal Roof 1,750 2 $2500-$5000 Deductible 330 9 Wood siding No
2013 145,000 Slate Shingles Roof 2,010 3 $2500-$5000 Deductible 90 2 Stone Siding No
2001 85,000 Wood Shake Roof 1,210 2 $2500-$5000 Deductible 120 4 Vinyl siding No
1982 215,000 Shingles Roof 3,000 4 $2500-$5000 Deductible 580 8 Brick siding No
2006 120,000 Asphalt Shingles Roof 1,850 4 $500 Deductible 350 7 Wood siding No
1980 150,000 Tile Roof 2,270 4 $500 Deductible 520 7 Fiber-Cement Siding No
1997 180,000 Slate Shingles Roof 2,230 3 $1000-$2500 Deductible 440 9 Fiber-Cement Siding No
1960 175,000 Shingles Roof 2,240 4 $5000 to $10,000 Deductible 350 9 Vinyl siding No
1996 165,000 Wood Shake Roof 2,280 4 $1000-$2500 Deductible 210 3 Fiber-Cement Siding No
1965 150,000 Shingles Roof 2,250 3 $1000-$2500 Deductible 160 3 Wood siding No
1999 80,000 Slate Shingles Roof 1,320 2 $500 Deductible 40 1 Stucco siding No
1991 60,000 Slate Shingles Roof 1,110 2 $1000-$2500 Deductible 40 2 Stone Siding No
1984 70,000 Metal Roof 1,080 2 $500- $1000 Deductible 270 8 Fiber-Cement Siding No
1978 90,000 Asphalt Shingles Roof 1,610 3 $500- $1000 Deductible 240 7 Brick siding yes
1940 105,000 Asphalt Shingles Roof 1,700 3 $500- $1000 Deductible 190 4 Brick siding yes
1974 185,000 Membrane Roof 3,000 4 $500- $1000 Deductible 620 9 Stucco siding yes
1988 130,000 Membrane Roof 1,700 2 $500 Deductible 170 4 Stucco siding yes
1982 135,000 Composition Roof 1,640 3 $2500-$5000 Deductible 380 12 Fiber-Cement Siding yes