Monticello Insurance Rates:

Monticello, IN homeowners insurance is nearly $679 to $928, about $56-$77/month. Our detailed guide shows customers can save as much as $321 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Monticello, IN Homeowners Insurance By Home Value

Monticello, IN Home Value Total Homes % of Total Average Monticello, IN Homeowners Insurance
Less than $50,000 82 6.0% $200
$50,000 to $59,999 74 5.0% $425
$60,000 to $69,999 80 5.0% $529
$70,000 to $79,999 149 11.0% $610
$80,000 to $89,999 162 12.0% $690
$90,000 to $99,999 184 13.0% $770
$100,000 to $124,999 211 15.0% $891
$125,000 to $149,999 115 8.0% $1116
$150,000 to $174,999 138 10.0% $1324
$175,000 to $199,999 55 4.0% $1525
$200,000 to $249,999 42 3.0% $1838
$250,000 to $299,999 38 2.0% $2240

Top Home Insurance Agents Near Monticello, IN

Home Insurance Company Near Monticello, IN Homeowners Insurance Agency Near Monticello, IN Address
NA Webster Insurance Agency 8 East 2Nd Street, Peru, IN, 46970
NA Isu - Underwood Agency Inc 3990 Sr 38 East Suite 5A, Lafayette, IN, 47905
Travelers Baker Insurance Inc 234 S MIAMI STREET, WABASH, IN, 46992
State Farm Christy Winter 998 West Main Street, Peru, IN, 46970-1954
Travelers Henriott Group Inc 250 Main St Ste 650, LAFAYETTE, IN, 47901

Cost Of Homeowners Insurance By Street Near Monticello, IN

Streets in Monticello Area Homeowners Insurance Cost
E Lake Road 18 E, N Boxman Pl, E Turn A Gain Rd, E Marion St, E Pleasant Valley Dr, N Lazy Acres Ct, S Main St, E 400 S, E Cherry Dr, Walston St$840
E Division Rd, N Beach Dr, Walnut St, Cherrydale Dr, E Elmer Girtz Dr, N Silver Camp Ct, Lakeland Ave, W 3.2, Round A Bout Rd, Gordon Rd$827
E 375 N, N Lake Road 26 E, E Bay Front Ct, East St, S Plateau Trl, Condo St, Bluewater Dr, Tyler Ln, Maple St, W Norway Rd$845
Beechwood Dr E, Hanawalt St, E Lake Front Dr, Royalwood Dr, Bruce Ave, Dewey St, N Mallard Dr, S Bay Pointe Ct, Pleasant Valley Ct, S 6th St$802
E Shore Acres Dr, E Lake Road 13 W, D St, E Parses Rd, E Indian Creek Dr, Fairbanks Ct, O Connor Blvd, S Park Dr, Rolling Meadows Dr, S Brentwood Pl$833

Monticello, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Monticello$119 to $121
Norway$119
White County$121
Idaville$117

Monticello, 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
Norway CDP, Indiana $119 $159 $239
White County, Indiana $122 $162 $243
Reynolds town, Indiana $119 $159 $239

Monticello, 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
Monticello, IN6.5%19.7%
Norway5.85%28.47%
White County6.61%18.98%
Reynolds8.31%21.23%

Monticello Renters Insurance as a Percentage of Rent

Monticello Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19 2.0% $806
$300 to $499 132 20.0% $1256
$500 to $749 262 39.0% $1931
$750 to $999 153 23.0% $2681
$1,000 to $1,499 92 13.0% $3806

Monticello, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Monticello Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $6,100$5,600
Net Savings to Monticello Home Owner from High Deductible Plan $500

Monticello, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Monticello, IN Home Replacement Value MORE than Home Value Monticello, IN Home Replacement Value LESS than Home Value
Replacement Value $191,000 $109,500
Insurance Premium based on Replacement Value $875 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,000 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $225/year

Example Monticello Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceFarmers Insurance
Monthly Premium 563874
Year Built 198919691947
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$100000-$125000$250000-$300000
Deductible $500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1946 145,000 Tile Roof 2,510 4 $2500-$5000 Deductible 160 4 Stone Siding No
1987 100,000 Metal Roof 1,660 4 $2500-$5000 Deductible 200 6 Wood siding No
1971 145,000 Tile Roof 1,900 3 $500 Deductible 190 4 Wood siding yes
1983 210,000 Metal Roof 3,250 4 $1000-$2500 Deductible 970 10 Stucco siding No
1970 110,000 Composition Roof 1,730 5 $1000-$2500 Deductible 230 5 Vinyl siding No
1981 105,000 Slate Shingles Roof 1,710 3 $500 Deductible 420 10 Vinyl siding No
1983 250,000 Metal Roof 4,550 5 $5000 to $10,000 Deductible 200 4 Vinyl siding yes
1989 160,000 Metal Roof 2,470 4 $5000 to $10,000 Deductible 460 12 Fiber-Cement Siding yes
1943 200,000 Metal Roof 2,620 5 $2500-$5000 Deductible 220 3 Stucco siding No
1946 170,000 Asphalt Shingles Roof 2,690 5 $500 Deductible 190 2 Stone Siding No
1987 145,000 Slate Shingles Roof 2,030 3 $1000-$2500 Deductible 340 7 Stucco siding yes
1969 180,000 Slate Shingles Roof 2,250 4 $5000 to $10,000 Deductible 360 5 Stucco siding No
1975 160,000 Wood Shake Roof 2,690 4 $5000 to $10,000 Deductible 480 10 Stone Siding yes
1975 195,000 Asphalt Shingles Roof 2,390 3 $2500-$5000 Deductible 590 9 Fiber-Cement Siding No
1968 335,000 Shingles Roof 4,350 5 $5000 to $10,000 Deductible 1020 12 Stucco siding yes
1972 110,000 Asphalt Shingles Roof 1,430 3 $500 Deductible 540 12 Wood siding yes
1988 120,000 Tile Roof 2,070 3 $2500-$5000 Deductible 360 10 Stone Siding yes
1970 150,000 Tile Roof 2,240 3 $500 Deductible 820 12 Fiber-Cement Siding No
1940 230,000 Shingles Roof 4,060 5 > $10,000 Deductible 440 8 Wood siding No
1946 135,000 Asphalt Shingles Roof 1,990 3 $1000-$2500 Deductible 260 6 Vinyl siding yes
1946 90,000 Slate Shingles Roof 1,360 3 $500- $1000 Deductible 120 3 Wood siding yes
1941 150,000 Asphalt Shingles Roof 1,940 4 $500- $1000 Deductible 560 10 Fiber-Cement Siding No
1983 360,000 Shingles Roof 4,580 5 $2500-$5000 Deductible 760 6 Brick siding No
1986 325,000 Composition Roof 4,700 5 $500 Deductible 1130 10 Brick siding yes
1988 185,000 Slate Shingles Roof 2,470 4 $2500-$5000 Deductible 180 4 Wood siding yes
1985 130,000 Metal Roof 1,620 3 $500 Deductible 390 8 Stone Siding yes
1987 130,000 Membrane Roof 1,670 4 $500- $1000 Deductible 370 6 Stucco siding yes
1968 290,000 Shingles Roof 3,620 5 > $10,000 Deductible 420 8 Stucco siding yes
1947 355,000 Metal Roof 4,550 5 $500 Deductible 1130 10 Vinyl siding yes
1977 110,000 Composition Roof 1,730 5 $500 Deductible 40 1 Fiber-Cement Siding No
1982 225,000 Composition Roof 3,230 5 > $10,000 Deductible 300 5 Vinyl siding No
1973 105,000 Slate Shingles Roof 1,860 4 $500 Deductible 330 7 Brick siding yes