Richland Insurance Rates:

Richland, IN homeowners insurance is nearly $703 to $958, about $58-$79/month. Our thorough analysis indicates shoppers can save as much as $332 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Richland, IN Homeowners Insurance By Home Value

Richland, IN Home Value Total Homes % of Total Average Richland, IN Homeowners Insurance
Less than $50,000 262 6.0% $141
$60,000 to $69,999 46 1.0% $382
$70,000 to $79,999 100 2.0% $440
$80,000 to $89,999 199 4.0% $498
$90,000 to $99,999 252 5.0% $556
$100,000 to $124,999 800 18.0% $648
$125,000 to $149,999 780 18.0% $806
$150,000 to $174,999 862 20.0% $955
$175,000 to $199,999 316 7.0% $1105
$200,000 to $249,999 423 9.0% $1329
$250,000 to $299,999 140 3.0% $1628
$300,000 to $399,999 54 1.0% $2069

Top Home Insurance Agents Near Richland, IN

Home Insurance Company Near Richland, IN Homeowners Insurance Agency Near Richland, IN Address
NA Old National Insurance (Bloomington) 210 E Kirkwood Ave, Bloomington, IN, 47402
NA J.A.G.C.O., Inc. Dba Reedy Ins Svcs 703 N Ewing St, Seymour, IN, 47274
Erie Choice Insurance Agency Inc. 406 S Walnut Street, Bloomington, IN, 47401
State Farm Keith Eberg 7550 South Meridian St, Indianapolis, IN, 46217-2912
Allstate Tim Schrink 914 E Tipton St, Seymour, IN, 47274

Cost Of Homeowners Insurance By Street Near Richland, IN

Streets in Richland Area Homeowners Insurance Cost
W Fenceline Rd, Co Rd 225 W, W Braeburn Ct, W Ratliff Rd, Vinca Ln, Briarwood Ln, W Middle St, N Loesch Rd, Capstone Cir, N Waynes Ln$819
W Main St, W Buskirk St, W Delap Rd, Rhinestone Dr, Easton St, Co Rd 350 W, S 3rd St, S Curry Pike, N Smith Pike, N Bottom Rd$827
N Cantlin Dr, Andy Way, E Chester Dr, Jachin Ln, W Woodyard Rd, W Prominence Pointe Dr, N Mathews Dr, Legacy Ln, W Wolf Mountain Rd, Miami St$829
W Profile Pkwy, W State Rd 48, Sherwood Dr, Mary Ellis Rd, E Maine Rd, Barbara St, W Reeves Rd, N Hartstrait Rd, Edgewood Dr, Echo Blvd$844
W Lost Mans Ln, Industrial Pk Rd, Ridge Springs Ln, Sycamore Dr, N Starnes Rd, N Killion Ct, N Willow Bend, Co Rd 250 W, W Silverthorne St, W Jonathon Dr$835

Richland, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Richland$124 to $127
Ellettsville$123
Bloomington$127
Monroe County$126

Richland, 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
Ellettsville town, Indiana $103 $137 $205
Van Buren township, Monroe County, Indiana $103 $137 $205
Bloomington city, Indiana $107 $142 $213

Richland, 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
Richland, IN6.0%18.5%
Ellettsville6.53%18.22%
Van Buren6.41%18.87%
Bloomington5.91%16.4%

Richland Renters Insurance as a Percentage of Rent

Richland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 43 3.0% $340
$200 to $299 107 8.0% $790
$300 to $499 192 14.0% $1240
$500 to $749 179 13.0% $1915
$750 to $999 518 40.0% $2665
$1,000 to $1,499 242 18.0% $3790

Richland, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Richland Homeowner Insurance Premium Example $1,500$1,100
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $12,400$11,600
Net Savings to Richland Home Owner from High Deductible Plan $800

Richland, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richland, IN Home Replacement Value MORE than Home Value Richland, IN Home Replacement Value LESS than Home Value
Replacement Value $158,000 $87,500
Insurance Premium based on Replacement Value $825 $450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,000 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $200/year

Example Richland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateErie InsuranceLiberty Mutual
Monthly Premium 255953
Year Built 197919802008
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $75000-$100000$200000-$250000$125000-$150000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 230,000 Composition Roof 2,770 5 $5000 to $10,000 Deductible 90 1 Stone Siding No
2010 115,000 Wood Shake Roof 1,350 3 $1000-$2500 Deductible 220 6 Brick siding No
2012 280,000 Composition Roof 3,250 5 > $10,000 Deductible 70 1 Brick siding No
2009 160,000 Membrane Roof 2,060 4 $2500-$5000 Deductible 340 8 Wood siding yes
2007 280,000 Slate Shingles Roof 2,820 4 $1000-$2500 Deductible 410 4 Stucco siding yes
1987 230,000 Composition Roof 2,230 3 $500 Deductible 130 1 Stone Siding yes
1970 250,000 Asphalt Shingles Roof 2,390 4 $500- $1000 Deductible 1010 10 Fiber-Cement Siding No
1990 230,000 Shingles Roof 2,580 4 $2500-$5000 Deductible 610 7 Brick siding No
2010 285,000 Wood Shake Roof 3,600 5 $500- $1000 Deductible 1270 10 Wood siding yes
1990 230,000 Asphalt Shingles Roof 2,780 5 $2500-$5000 Deductible 160 2 Fiber-Cement Siding No
2010 210,000 Wood Shake Roof 2,560 4 $1000-$2500 Deductible 760 10 Wood siding yes
1995 460,000 Composition Roof 4,440 5 $1000-$2500 Deductible 1720 12 Vinyl siding yes
2005 155,000 Asphalt Shingles Roof 1,780 4 $2500-$5000 Deductible 130 2 Vinyl siding yes
1999 155,000 Asphalt Shingles Roof 1,890 3 $1000-$2500 Deductible 260 4 Wood siding yes
2014 435,000 Tile Roof 4,720 5 > $10,000 Deductible 1400 12 Stucco siding yes
1988 295,000 Metal Roof 2,850 5 $500 Deductible 1020 8 Stucco siding No
2014 160,000 Composition Roof 1,680 4 $5000 to $10,000 Deductible 290 10 Brick siding yes
2012 180,000 Metal Roof 1,870 4 $2500-$5000 Deductible 630 10 Stone Siding No
1997 390,000 Slate Shingles Roof 3,930 5 > $10,000 Deductible 600 7 Vinyl siding yes
1998 215,000 Metal Roof 2,100 3 $500- $1000 Deductible 530 6 Vinyl siding No
1974 315,000 Asphalt Shingles Roof 3,540 5 $2500-$5000 Deductible 670 7 Stucco siding yes
1999 445,000 Composition Roof 4,650 5 $500- $1000 Deductible 360 3 Fiber-Cement Siding No
2011 185,000 Metal Roof 1,860 3 $2500-$5000 Deductible 120 2 Fiber-Cement Siding No
2006 230,000 Shingles Roof 2,920 4 $500- $1000 Deductible 180 2 Fiber-Cement Siding No
2014 195,000 Composition Roof 2,350 3 $5000 to $10,000 Deductible 640 9 Brick siding yes
2012 200,000 Asphalt Shingles Roof 2,230 5 $1000-$2500 Deductible 650 9 Stucco siding yes
1997 320,000 Membrane Roof 4,350 5 $2500-$5000 Deductible 700 9 Fiber-Cement Siding No
1990 165,000 Tile Roof 2,200 5 $2500-$5000 Deductible 320 5 Brick siding yes
2011 230,000 Tile Roof 3,090 4 > $10,000 Deductible 290 4 Brick siding yes
2010 180,000 Metal Roof 2,270 5 $5000 to $10,000 Deductible 50 1 Brick siding No
1997 290,000 Membrane Roof 3,200 4 $2500-$5000 Deductible 560 6 Stone Siding yes
1982 300,000 Shingles Roof 3,010 5 > $10,000 Deductible 280 4 Wood siding No
2011 180,000 Slate Shingles Roof 2,160 5 $500 Deductible 300 4 Wood siding No
1997 225,000 Slate Shingles Roof 2,260 4 $2500-$5000 Deductible 290 4 Fiber-Cement Siding yes