South Bend Insurance Rates:

South Bend, IN homeowners insurance is approximately $675 to $915, about $56-$76/month. Our all inclusive research reveals consumers can save upto $318 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
We regularly check insurance premiums of competing companies. With our bundle for multiple policies, State Farm saves us the most.
State Farm
I get new quotes on a yealy basis for home and auto. State Farm raises rates every year. When I shop it around. They always lower their rate. Why can't the just only raise 2% or 3%.
The relationship started our great. That was over 10 years ago. Now, I don't get a reply to tell me that they don't have a better plan for me. That would be the professional thing.I would rate them a 2.
Alfa Insurance
Alfac's premium and deductible of my policy compared to other home insurance policies for the same coverage is better in my opinion, it's flexible whenever I need it to be or adjust my home insurance policy.
My insurance is well represented in california. i like that i can go to their offices and talk to an agent.
Grange Insurance
I don't like the fact that they outsource customer service even though I realize everyone does it nowadays it still would be nice to talk to an American
Auto Owners Insurance
I would and do definitely recommend my company and agent. Numerous people who have went to my agent have saved money and love the service. My agent is always there for me.
Farmer's Insurance
The premium of our home policy was roughly 30% cheaper than the other 3 companies quoted while also providing an almost exact deductible. The coverages were near identical as well.
I rate my insurance company a 5 they have been great and very beneficial. They offer a lot of things on the side that really make purchasing and life easier.
State Farm
I do like state farm and think favorably of them but sometimes they take a while to deliver the help that they had promised to us.
They are usually really easy to talk to and get responses from even though occasionally you get a bad agent. They seem to work to make the customers experience better
State Farm
My insurance company is great because it is available to me all the time, twenty-four seven throughout the entire week.
Alfa Insurance
If there is ever any damage, it takes them to much time for us to get the money to fix our house.
The prices are really great and they are a lot better then other companies i have tried to get insurance with. they let you spread out your payments.
State Farm
While I do wish the premium was lower, it was initially when I changed over from Geico. I have not had too many rate hikes either, as I did with Geico
I don't believe there's anything about Allstate that I dislike. I've only been with them for a short time but so far they have been super helpful to me and I haven't had any issues.
State Farm
I think state farm may be expensive compared to other companies. Specifically, on my home insurance, I keep seeing the premium increase substantially each year (including my previous home insured with them). I have thought several times about getting a quote from a competitor to see the cost difference.
American Family
I have never compared pricing and feel as though generally my insurance could be overpriced. However, I do not want to give up the customer service or the ability to bundle insurance.
The company is very strict and not very supportive when it comes to roof damage and repair, and it is difficult to gain approval for benefits.
So far there is nothing that I dislike about the company. In general, I would prefer paying less, but insurance is a mandatory necessity where I live, home as well as the car.
It is a little convoluted. Kind of hard to locate where you want to go and find what you are looking for.
State Farm
They have been around a long time. They have a track record of paying claims that a recovered. They have a lot of offices and places to go for repairs and stuff.
I prefer not to deal with phone calls for simple business. I feel like more of the management for my policy could be handled without direct intervention from the company, and not allowing me to make changes directly seems like a shady attempt to prevent me from reducing my costs or coverage easily.
I have not found anything to dislike about this company yet. I have had my policy with them for 3 years and have had no problems with them.
State Farm
The only issue I really have is if I try to go online to look at my coverage or do any research, I always have issues. They really need to update or even completely redesign the website. It is very glitchy and not user-friendly at all.
Auto Owners Insurance
The premium and deductibles were pretty much the same as the other vendors, but the price was better from this insurnace company and i couldn't tell you why, but they do have a great reputation and history of fulfilling their coverages so why would i pay more for a well known insurance company when this one does just fine.
I would recommend this company for home insurance because it is more secure and give more policies.And i think this company gives the proper insurance .
I like AAA a lot, we pay fair insurance and I love their road-side assistance service for when your car runs into a problem on the road, they are always there within 20 min. I also like that you can pay DMV things at AAA.
State Farm
I like that when you call someone usually calls you right back. It's very easy to file a claim and if you have a question they do their best to find an answer for you.
Synergy Insurance Group
It is a highly rated insurance company in my area. When I priced it had a competitive rate and I've had no problems with them.
Liberty Mutual
I like that they are a just answerable company with their work, their payment installments are not so expensive and they solve the quick problems
American Family
Worst place. I wouldn't recommend them to anyone. Found a way cheaper plan through state farm.

South Bend, IN Homeowners Insurance By Home Value

South Bend, IN Home Value Total Homes % of Total Average South Bend, IN Homeowners Insurance
Less than $50,000 3,928 16.0% $222
$50,000 to $59,999 1,972 8.0% $477
$60,000 to $69,999 2,215 9.0% $596
$70,000 to $79,999 2,185 9.0% $683
$80,000 to $89,999 2,582 10.0% $779
$90,000 to $99,999 2,106 8.0% $866
$100,000 to $124,999 3,100 13.0% $1009
$125,000 to $149,999 2,117 8.0% $1264
$150,000 to $174,999 1,548 6.0% $1494
$175,000 to $199,999 698 2.0% $1725
$200,000 to $249,999 514 2.0% $2067
$250,000 to $299,999 327 1.0% $2528
$300,000 to $399,999 238 1.0% $3219

Top Home Insurance Agents Near South Bend, IN

Home Insurance Company Near South Bend, IN Homeowners Insurance Agency Near South Bend, IN Address
Allstate Brian Watson 1218 Oak St, Niles, MI, 49120
State Farm Chris Nielsen 751 E Porter Ave Ste 4, Chesterton, IN, 46304-9111
State Farm Laurie Sutter 409 E Jefferson St, Plymouth, IN, 46563-1827
State Farm Mike Gilbert 3045 W John Beers Rd Unit 1, Stevensville, MI, 49127-1115
NA Swanson & Swanson Insurance, Inc. 811 Indiana Ave Laporte, La Porte, IN, 46350

South Bend, IN Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near South Bend, IN

Streets in South Bend Area Homeowners Insurance Cost
E Woodside St, Saint Joseph St, Deerskin Trl, Lamar St, Rose Quartz Ln, Clearwater Ln, Burning Ridge Trl, Maplehurst St, Swallow Ct, S Esther St$833
Swanson Cir, S Warren St, Rockne Dr, Duey St, Claffey St, Richard Ave, Eagle Point Dr, S Jacktown Dr, N Sunnyside Ave, S High St$814
S Falcon St, Woodward Ct, Shellbark Ave, Dennis Dr, Scenic Dr, Oakwood Blvd, Boulder Bay Dr, Wren Ln, Pimm Ln, Christian$835
Bentley Ln, Fenton Ln, N Sommers St, Paris St, Duncan Dr, Lucille Ave, Olive Rd, Sunset Marble Dr, Westwood Hills Dr, Rose St$839
Marshall Dr S, E Bronson St, Smith St, Rose Rd, Bonfield Pl, Ritschard Ave, Emerson Forest Pkwy, Woodsong Dr, King St, New Energy Dr$830
Woodsong Ct, S Tyler Dr, Noble Ridge Dr, Moonbeam Ct, Fairview Ave, Running Creek Dr, India Ct, Silver Ln, Tyris St, N Fairfax Ct$838
Rupel St, Redtail Ct, Eugene St, Park Ln, York Rd, Burr Oak Dr, Cushing St, Placid Dr, Lancer Dr, Elmer Ave$804
Clubhouse Ct, E Donald St, Fairmont Ave, W Calvert St, St James Ct, Larne Dr, Dundee St, S 35th St, Anderson Ave, Weist Ln$828
Dunrobbin Ln, Peachstone Dr, Fernwood Ct, Glenn Oak Dr, Wildflower St, Riviera Blvd, Nottingham Ct, Early Rd, Rosewood Rd, Kingston Ct$836
Roosevelt St, Brora Dr, S 28th St, Grant Rd, E Rockne Dr, Main Ave, E Fairington Cir, S Tuxedo Dr, Rolling Hills Dr, Macarthur Ave$840

South Bend, IN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
South Bend$119 to $121
Indian Village$124
St. Joseph County$122

South Bend, 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
Portage township, St. Joseph County, Indiana $119 $158 $237
Roseland town, Indiana $119 $158 $237
Indian Village town, Indiana $124 $165 $248

South Bend, 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
South Bend, IN7.1%19.7%
Indian Village5.38%23.93%

South Bend Renters Insurance as a Percentage of Rent

South Bend Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 439 2.0% $360
$200 to $299 667 4.0% $810
$300 to $499 1,942 13.0% $1260
$500 to $749 5,418 36.0% $1935
$750 to $999 4,336 29.0% $2685
$1,000 to $1,499 1,705 11.0% $3810
$1,500 or more 423 2.0% $5460

South Bend, IN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly South Bend Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,100$9,600
Net Savings to South Bend Home Owner from High Deductible Plan $500

South Bend, IN Home Insurance Costs With Home Replacement Value Scenarios

Scenario South Bend, IN Home Replacement Value MORE than Home Value South Bend, IN Home Replacement Value LESS than Home Value
Replacement Value $176,000 $141,000
Insurance Premium based on Replacement Value $725 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $16,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example South Bend Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 197665
Year Built 195319631977
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $50000-$75000$175000-$200000$250000-$300000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1954 80,000 Shingles Roof 1,520 2 $500 Deductible 230 8 Stone Siding yes
1958 325,000 Slate Shingles Roof 4,860 5 $500- $1000 Deductible 100 1 Vinyl siding yes
1951 320,000 Wood Shake Roof 4,730 5 $5000 to $10,000 Deductible 990 9 Vinyl siding yes
1978 70,000 Asphalt Shingles Roof 1,150 2 $500 Deductible 220 8 Wood siding yes
1961 305,000 Composition Roof 4,910 5 $5000 to $10,000 Deductible 400 4 Brick siding No
1972 125,000 Metal Roof 2,060 3 $1000-$2500 Deductible 110 2 Fiber-Cement Siding yes
1950 240,000 Tile Roof 3,590 5 $500 Deductible 970 8 Stone Siding No
1962 80,000 Wood Shake Roof 1,310 2 $500 Deductible 320 8 Vinyl siding yes
1959 130,000 Metal Roof 2,140 3 $500 Deductible 50 1 Stone Siding yes
1971 260,000 Asphalt Shingles Roof 4,270 5 $5000 to $10,000 Deductible 740 9 Wood siding yes
1964 110,000 Wood Shake Roof 1,430 2 $2500-$5000 Deductible 250 6 Fiber-Cement Siding No
1946 130,000 Tile Roof 2,300 3 $500- $1000 Deductible 280 8 Vinyl siding No
1963 75,000 Asphalt Shingles Roof 1,290 2 $1000-$2500 Deductible 290 10 Stone Siding No
1964 65,000 Shingles Roof 1,140 2 $2500-$5000 Deductible 100 6 Wood siding No
1973 220,000 Slate Shingles Roof 2,850 5 > $10,000 Deductible 310 7 Wood siding No
1970 90,000 Slate Shingles Roof 1,320 2 $1000-$2500 Deductible 150 9 Stone Siding yes
1948 115,000 Shingles Roof 2,050 3 $500- $1000 Deductible 60 2 Vinyl siding No
1966 70,000 Membrane Roof 1,070 2 $500- $1000 Deductible 330 9 Stucco siding yes
1975 175,000 Wood Shake Roof 2,520 4 $5000 to $10,000 Deductible 220 6 Stone Siding No
1976 115,000 Wood Shake Roof 1,680 2 $500 Deductible 540 12 Wood siding No
1945 215,000 Tile Roof 3,940 5 $1000-$2500 Deductible 550 6 Stucco siding No
1974 280,000 Asphalt Shingles Roof 3,690 5 $500- $1000 Deductible 860 6 Stone Siding No
1954 95,000 Tile Roof 1,700 4 $500 Deductible 270 7 Fiber-Cement Siding yes
1967 180,000 Shingles Roof 2,710 5 $500- $1000 Deductible 1000 12 Stucco siding yes
1974 150,000 Composition Roof 2,290 3 $1000-$2500 Deductible 690 10 Stucco siding yes
1945 360,000 Composition Roof 4,680 5 $2500-$5000 Deductible 1040 10 Brick siding No
1961 100,000 Composition Roof 1,970 4 $1000-$2500 Deductible 420 12 Brick siding yes
1956 60,000 Asphalt Shingles Roof 1,010 2 $500 Deductible 230 9 Stone Siding yes
1962 110,000 Membrane Roof 1,470 2 $500- $1000 Deductible 270 7 Stone Siding yes

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