Portage Insurance Rates:

Portage, IN homeowners insurance is nearly $672 to $910, about $56-$75/month. Our in depth analysis shows customers can save as much as $316 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend basically based solely on the fact Ive had it for 20 years and no issues.
State Farm
I am totally satisfied with my insurance company They provide quick service.
Erie Insurance
Erie has been my first and only home insurance company, Its policies are very ductile and flexible pending on your income that ie why I love them
Erie Insurance
I have never had a home insurance claim per se, but I have had nothing but a positive experience talking with the customer service people on the phone.I would give them a 5 that I am extremely satisfied with their customer service.
Auto Owners Insurance
The deductible is reasonable; not low; not high. The premium is cheaper compared to the rest when combined with my auto insurance policy.
Erie Insurance
I have always felt that Erie's insurance premiums were fair and suited to my needs as a home owner. They are easy to work with when decided how much and what items need to be covered under the home owner policy.
I would recommend them if you find them to have the lowest price. Otherwise, I'd suggest picking the company with the lowest price. Again, most policies are very similar. You're really only shopping around for price.
My company allows me to go online and change things on my policy if I need to. I have never had the need. Not sure if other providers do this as well.
Erie Insurance
I give them a 5. I would recommend Erie because they have the best coverage and fair rates. I have never had a claim but other family members with Erie have and they have never had an issue getting their claims covered.
My insurance company geico has helped me in a major way when i was in my accident. they got me all of the help i needed.
State Farm
During the recent storm, my home sustained lots of damage. while they were very helpful in the office it took three days for an adjuster to come to my home. after the adjuster finally arrived and took his notes, all went smooth, we could get the repairs done the same week.
Alfa Insurance
I like how my agent is very personal with my family, she is very friendly and treats my family like her own.
We love their customer service. We can contact them via email or phone. The wait is not long when we need to speak to them on the phone. They answer the majority of our questions in minutes
The only dislike I have is the price of our premium. I don't believe that there are any discounts for bundled service either. I've enquired with many other companies where the premium was lower.
I like my 'AAA' home insurance company. It gave me a better deal. If any disaster happens to home they immediately help us to fix.
Universal Property & Casualty Insurance Company
I have not really had to deal with customer service direct as I go through my insurance agent
State Farm
Premiums are competitive in my state, but my state has the highest premiums in the country. A few years ago all insurance companies were allowed to eliminate their low deductible policies and the standard policy carries a deductible equivalent to a percentage of the home value. This makes it useless for small claims such as a damaged floor or a broken window.
Assurant Specialty Property
Because they are who and what they say. They provide the Best Customer Service for starters, to me that is a big deal. they have better policy coverage compared to most agencies.
American Modern Insurance
I would recommend this policy because of the ease of billing, service and the good deal that I have gotten from my union.
The staff is friendly and helpful. If you can do a bundle package I would highly recommend it. They worked with us to get the best coverage for what we could afford.
State Farm
Overall they are cool. Like I said I haven't had to file a claim so idk how they are with that. They are nice and helpful so far. They offer lots of different options for coverage.
I would recommend them because they get it that people need coverage, they get that it shouldn't cost an arm and a leg to do so!

Portage, IN Homeowners Insurance By Home Value

Portage, IN Home Value Total Homes % of Total Average Portage, IN Homeowners Insurance
Less than $50,000 4,091 19.0% $245
$50,000 to $59,999 2,044 9.0% $514
$60,000 to $69,999 2,239 10.0% $632
$70,000 to $79,999 2,152 10.0% $735
$80,000 to $89,999 2,436 11.0% $830
$90,000 to $99,999 1,980 9.0% $925
$100,000 to $124,999 2,408 11.0% $1075
$125,000 to $149,999 1,442 6.0% $1344
$150,000 to $174,999 1,038 4.0% $1589
$175,000 to $199,999 457 2.0% $1835
$200,000 to $249,999 303 1.0% $2206
$250,000 to $299,999 225 1.0% $2697

Top Home Insurance Agents Near Portage, IN

Home Insurance Company Near Portage, IN Homeowners Insurance Agency Near Portage, IN Address
NA Don Young Insurance 323 N Main St, Watervliet, MI, 49098
NA John Scott Agency 105 Commercial Street, Dowagiac, MI, 49047
Allstate Bob Burkus 570 Vale Park Rd Ste C, Valparaiso, IN, 46385
Allstate Brent Mcnitt 822 E Michigan Ave, Paw Paw, MI, 49079
State Farm Jess Neely 19271 Darden Rd, South Bend, IN, 46637-3967

Portage, IN Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Portage, IN

Streets in Portage Area Homeowners Insurance Cost
Kendall St, W Acacia Pl, Raven Hill Dr, Oakcrest Dr, Whippoorwill Dr, Dover Dr, Cavanaugh Dr, W Cherry Pointe Dr, E Locust Grove, Rue du Lac West Dr$833
Erskine Blvd, W Victoria St, Grandview Ave, Pecan Rd, Main Ave, Hudson Ave, Benedict Ave, S Esther St, Clemens Dr, W Wayne St$820
Kendall St, Caroline St, Miller Rd, N Falcon St, Clemens St, Lawndale Ave, S Sunnyside Ave, Edgewater Dr, White Pine Dr, Arabian Ct$798
Rue Mallarme St, Windfall Ct, E Altgeld St, S Kentucky St, Turnock St, Gerencser Dr, Rose Quartz Ln, Dennis Dr, S Lake St, Rye Ct$837
Allerton Dr, W Dean St, N Sommers St, S 36th St, Country Club Ln, N Edison Ave, Belleville Cir, Kenmore Dr, Moss St, W Chippewa Ave$791
Trappers Pass, Pecan Rd, Boynton Ave, Drexel Ave, Hydraulic Ave, S 34th St, W Tasher St, S Scott St, Teton Ct, W Madison St$797
Goodhew Dr, Weymouth Ct, Dundee St, Portage Rd, Reynolds St, Baley Ct, Florence Ave, Windyridge Dr, Fremont St, Kent Ln$777
Crescent Cir, Rockne Dr, Ash Ln, Milton St, Concord Ave, S 29th St, Vernon Dr, Saint Vincent St, W North Shore Dr, Nash Ave$777
Hunter Run Cir, Kerslake Ct, N Esther St, Westview Ln, Hollywood Blvd, Locust Bend, New Energy Dr, N Harvest Pointe Dr, E Dean St, Larne Dr$837
Rupel St, Greenbrook Dr, Tonti St, Mina St, Montgolfier Pl, Prast Blvd, S St Louis Blvd, Janice Bell Ct, Saint Johns Way, Pintail Dr$788

Portage, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Portage$118 to $120
South Bend$119
St. Joseph County$122

Portage, 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
South Bend city, Indiana $119 $159 $239
Roseland town, Indiana $119 $158 $237
St. Joseph County, Indiana $122 $163 $245

Portage, 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
Portage, IN7.4%21.0%
South Bend7.1%19.72%
St. Joseph County6.37%19.63%

Portage Renters Insurance as a Percentage of Rent

Portage Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 359 3.0% $363
$200 to $299 579 4.0% $813
$300 to $499 1,577 13.0% $1263
$500 to $749 3,800 32.0% $1938
$750 to $999 3,531 30.0% $2688
$1,000 to $1,499 1,500 12.0% $3813
$1,500 or more 260 2.0% $5463

Portage, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Portage Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Portage Home Owner from High Deductible Plan $600

Portage, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Portage, IN Home Replacement Value MORE than Home Value Portage, IN Home Replacement Value LESS than Home Value
Replacement Value $186,500 $125,000
Insurance Premium based on Replacement Value $850 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,000 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $150/year

Example Portage Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmerican Family InsuranceState Farm
Monthly Premium 424648
Year Built 195219601945
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$175000-$200000$125000-$150000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 125,000 Slate Shingles Roof 2,570 4 $1000-$2500 Deductible 150 3 Brick siding No
1950 165,000 Membrane Roof 2,300 3 $5000 to $10,000 Deductible 310 7 Fiber-Cement Siding No
1961 220,000 Shingles Roof 3,980 5 $500 Deductible 600 8 Vinyl siding No
1964 165,000 Membrane Roof 2,460 5 $5000 to $10,000 Deductible 470 9 Brick siding No
1947 230,000 Slate Shingles Roof 3,700 5 > $10,000 Deductible 180 4 Brick siding No
1968 120,000 Slate Shingles Roof 2,250 4 $1000-$2500 Deductible 90 3 Stucco siding No
1966 75,000 Asphalt Shingles Roof 1,270 3 $500 Deductible 90 3 Brick siding yes
1965 130,000 Membrane Roof 1,900 3 $500- $1000 Deductible 350 10 Vinyl siding No
1941 140,000 Slate Shingles Roof 2,270 4 $500- $1000 Deductible 560 12 Stone Siding yes
1955 220,000 Metal Roof 3,990 5 $1000-$2500 Deductible 520 8 Brick siding yes
1966 200,000 Membrane Roof 3,160 5 $500 Deductible 690 8 Brick siding yes
1940 135,000 Metal Roof 1,930 4 $500 Deductible 110 2 Wood siding yes
1951 115,000 Metal Roof 1,990 4 $500 Deductible 270 6 Brick siding yes
1940 135,000 Metal Roof 2,200 3 $2500-$5000 Deductible 320 9 Stucco siding No
1957 115,000 Shingles Roof 1,970 4 $1000-$2500 Deductible 260 7 Wood siding yes
1957 165,000 Slate Shingles Roof 3,080 5 $500 Deductible 280 5 Stucco siding yes
1969 115,000 Shingles Roof 2,220 4 $500- $1000 Deductible 350 9 Stucco siding No
1949 150,000 Asphalt Shingles Roof 2,290 4 $2500-$5000 Deductible 50 1 Brick siding yes
1943 110,000 Shingles Roof 1,570 5 $500- $1000 Deductible 40 1 Brick siding No
1954 345,000 Asphalt Shingles Roof 4,890 5 > $10,000 Deductible 380 6 Fiber-Cement Siding yes
1959 125,000 Composition Roof 2,050 4 $500 Deductible 320 5 Fiber-Cement Siding No
1949 110,000 Asphalt Shingles Roof 1,710 4 $1000-$2500 Deductible 470 12 Stucco siding yes
1943 130,000 Shingles Roof 2,070 4 $500 Deductible 50 1 Wood siding yes
1950 100,000 Asphalt Shingles Roof 1,740 3 $500- $1000 Deductible 300 9 Fiber-Cement Siding yes
1945 180,000 Tile Roof 2,690 5 $500 Deductible 560 9 Brick siding yes
1953 120,000 Shingles Roof 1,820 4 $500 Deductible 300 6 Stone Siding yes
1940 140,000 Asphalt Shingles Roof 2,200 4 $500 Deductible 200 4 Brick siding No
1942 80,000 Shingles Roof 1,310 3 $500- $1000 Deductible 60 3 Stucco siding yes
1941 190,000 Slate Shingles Roof 3,090 5 $2500-$5000 Deductible 410 7 Fiber-Cement Siding No
1969 180,000 Composition Roof 2,610 5 $500- $1000 Deductible 840 9 Fiber-Cement Siding No
1961 220,000 Metal Roof 3,920 5 $500- $1000 Deductible 240 4 Wood siding yes
1943 160,000 Composition Roof 2,780 5 $500- $1000 Deductible 280 5 Wood siding yes
1955 175,000 Shingles Roof 2,800 5 $1000-$2500 Deductible 320 4 Brick siding No
1953 90,000 Metal Roof 1,036 2 $2500-$5000 Deductible 110 2 Vinyl siding yes

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