Rochester Insurance Rates:

Rochester, IN homeowners insurance is nearly $676 to $925, about $56-$77/month. Our comprehensive analysis reveals consumers can save upto $320 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Rochester, IN Homeowners Insurance By Home Value

Rochester, IN Home Value Total Homes % of Total Average Rochester, IN Homeowners Insurance
Less than $50,000 542 18.0% $208
$50,000 to $59,999 130 4.0% $440
$60,000 to $69,999 257 8.0% $544
$70,000 to $79,999 182 6.0% $624
$80,000 to $89,999 317 10.0% $712
$90,000 to $99,999 193 6.0% $801
$100,000 to $124,999 354 11.0% $921
$125,000 to $149,999 215 7.0% $1153
$150,000 to $174,999 228 7.0% $1369
$175,000 to $199,999 128 4.0% $1577
$200,000 to $249,999 236 7.0% $1898
$250,000 to $299,999 46 1.0% $2322
$300,000 to $399,999 129 4.0% $2947

Top Home Insurance Agents Near Rochester, IN

Home Insurance Company Near Rochester, IN Homeowners Insurance Agency Near Rochester, IN Address
NA Gangwer-Delphi Insurance 208 S Market St, Delphi, IN, 46923
NA Salem Insurance Agency Inc. 609 W Lincoln Ave, Goshen, IN, 46526
NA Salem Insurance Agency 158 W. Market St., Nappanee, IN, 46550
Allstate Novotny Insurance 114 W Montgomery St PO Box 158, Francesville, IN, 47946
Farmers Randal Wanbaugh 804 N Main St, Mishawaka, IN, 46545

Cost Of Homeowners Insurance By Street Near Rochester, IN

Streets in Rochester Area Homeowners Insurance Cost
W 550 S, State Rd 110, Scott St, 14th St, E Dunn St, S 575 E, E Wood Dr, Clayton St, E 200 N, Boosewood Dr$807
Co Rd 550 N, W 375 N, W Pearl St, Gregory Farm Village, W 300 S, Huddleston Dr, E 10th St, Manitou Park Rd, N 350 W, Main St$809
Parkway Ln, W 200 S, Oak Dr, Elm St, E Co Rd 1000 S, Bachelor Rd, W 150 N, E Co Rd 1000 N, E 5th St, Co Rd 225 E$801
S 150 W, Monroe St, Co Rd 750 W, E Happy Valley Ln, S 1300 W, Co Rd 550 W, W 8th St, Co Rd 1000 S, Johnson St, Co Rd 1100 W$792
Indiana Ave, State Rd 19, S State Rd 25, River St, N 1050 W, E 250 S, E 12th St, Maples Ct, E 450 N, E 8th St$797

Rochester, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rochester$119 to $122
Newcastle$123
Macy$115
Kewanna$116

Rochester, 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
Newcastle township, Fulton County, Indiana $103 $137 $206
Macy town, Indiana $97 $129 $193
Kewanna town, Indiana $97 $129 $193

Rochester, 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
Rochester, IN6.8%18.7%
Newcastle6.56%16.16%
Macy9.27%22.34%
Kewanna8.57%18.43%

Rochester Renters Insurance as a Percentage of Rent

Rochester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 21 1.0% $357
$200 to $299 158 11.0% $807
$300 to $499 202 14.0% $1257
$500 to $749 629 46.0% $1932
$750 to $999 224 16.0% $2682
$1,000 to $1,499 59 4.0% $3807
$1,500 or more 65 4.0% $5457

Rochester, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Rochester Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Rochester Home Owner from High Deductible Plan $600

Rochester, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rochester, IN Home Replacement Value MORE than Home Value Rochester, IN Home Replacement Value LESS than Home Value
Replacement Value $124,000 $87,500
Insurance Premium based on Replacement Value $525 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,500 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Rochester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateChubb Group of Insurance
Monthly Premium 465993
Year Built 197019871941
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$350000-$400000
Deductible $500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 85,000 Composition Roof 1,250 3 $500 Deductible 50 2 Fiber-Cement Siding yes
2000 270,000 Slate Shingles Roof 4,190 5 $500- $1000 Deductible 240 2 Stone Siding No
1963 150,000 Metal Roof 2,450 4 $5000 to $10,000 Deductible 220 8 Vinyl siding yes
1980 395,000 Composition Roof 4,830 5 $500 Deductible 410 2 Fiber-Cement Siding No
1964 95,000 Composition Roof 1,510 3 $2500-$5000 Deductible 150 4 Fiber-Cement Siding yes
1973 170,000 Membrane Roof 2,080 4 $2500-$5000 Deductible 220 5 Stucco siding yes
1946 150,000 Metal Roof 2,390 3 $1000-$2500 Deductible 480 9 Stucco siding No
2006 130,000 Metal Roof 1,970 5 $500- $1000 Deductible 410 8 Wood siding yes
1984 135,000 Composition Roof 1,750 3 $2500-$5000 Deductible 140 3 Wood siding yes
1942 200,000 Asphalt Shingles Roof 3,410 5 > $10,000 Deductible 280 5 Stone Siding No
1961 155,000 Metal Roof 1,960 4 $1000-$2500 Deductible 730 10 Brick siding No
1965 240,000 Shingles Roof 3,300 4 $500 Deductible 100 1 Vinyl siding No
1987 145,000 Slate Shingles Roof 2,140 3 $2500-$5000 Deductible 280 8 Wood siding No
1941 255,000 Slate Shingles Roof 3,380 5 $500- $1000 Deductible 620 6 Fiber-Cement Siding yes
1941 120,000 Membrane Roof 1,660 3 $500- $1000 Deductible 410 7 Vinyl siding No
1964 75,000 Asphalt Shingles Roof 1,240 3 $1000-$2500 Deductible 260 12 Stone Siding No
2002 110,000 Shingles Roof 1,710 3 $2500-$5000 Deductible 100 4 Vinyl siding No
2004 185,000 Metal Roof 2,690 4 $2500-$5000 Deductible 250 4 Stucco siding yes
1974 120,000 Metal Roof 1,530 5 $2500-$5000 Deductible 250 7 Fiber-Cement Siding yes
1962 120,000 Membrane Roof 1,950 3 $2500-$5000 Deductible 200 5 Brick siding yes
2003 305,000 Shingles Roof 4,500 5 $500- $1000 Deductible 140 1 Stucco siding yes
1946 250,000 Composition Roof 3,260 4 $500- $1000 Deductible 360 4 Vinyl siding No
1944 180,000 Slate Shingles Roof 2,830 4 $5000 to $10,000 Deductible 420 8 Brick siding No
2004 240,000 Shingles Roof 3,220 5 > $10,000 Deductible 470 8 Wood siding No
2007 290,000 Composition Roof 3,860 5 $2500-$5000 Deductible 110 1 Stone Siding No
1966 175,000 Wood Shake Roof 2,260 4 $500- $1000 Deductible 800 12 Stone Siding No
1980 120,000 Shingles Roof 2,020 4 $1000-$2500 Deductible 350 8 Wood siding No
1972 340,000 Shingles Roof 4,220 5 $500- $1000 Deductible 110 1 Vinyl siding No
1989 205,000 Slate Shingles Roof 2,580 4 $1000-$2500 Deductible 230 3 Wood siding No
2002 170,000 Asphalt Shingles Roof 2,670 4 $500- $1000 Deductible 180 3 Vinyl siding No
1947 130,000 Composition Roof 1,790 5 $500 Deductible 480 12 Fiber-Cement Siding No