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
My insurance company is great because it is available to me all the time, twenty-four seven throughout the entire week.
Alfa
If there is ever any damage, it takes them to much time for us to get the money to fix our house.
Metlife
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.

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
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
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

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
Portage$118
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%
Portage7.43%20.99%
Roseland7.7%19.38%
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
Deductible$1,000$4,000
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
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