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Portage, IN Home Values & Insurance Rates

Portage, IN Home Value Total Homes % of Total Average 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

Estimated Home Insurance By Street Area Near Portage, IN

Portage Area Estimated House Insurance
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

Savings on home insurance for senior occupied homes

PlaceSavings
Portage$118 to $120
South Bend$119
Roseland$118
St. Joseph County$122

Portage, IN 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%
Roseland7.7%19.38%
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
Deductible$1,000$2,000
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

Portage, IN Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
South Bend city, Indiana $119 $159 $239
Roseland town, Indiana $119 $158 $237
St. Joseph County, Indiana $122 $163 $245

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
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