Webster, IN Home Insurance - Analysis On Quotes, Rates & Agents
Webster Insurance Rates:
Webster, IN homeowners insurance is about $687 to $952, about $57-$79/month. Our comprehensive guide shows customers can save upto $327 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Average Home Insurance Cost in Webster, IN
The average cost of homeowners insurance in Webster, IN, is $1019. Home insurance, commonly referred to as homeowners insurance, covers losses that could occur to a person's home and its contents due to unforeseen situations. To protect their financial security, homeowners in Webster, IN, should think about getting home insurance.
A few factors that home insurance companies consider when determining premiums include the size of the house, location, age of the house, credit history, the risk of theft or disaster, features and modifications that can help mitigate risk, the type of construction materials, etc. You can save money on home insurance in Webster, IN, by considering the following aspects.
1. By Choosing a Higher Deductible
There are a few things that homeowners in Webster, IN, can do to reduce their insurance rates. One way is to choose a higher deductible. A higher deductible means that the homeowner will be responsible for paying more money out of pocket if they need to make a claim. However, it also means that the insurance company will charge a lower premium. This can be an excellent way to save money on homeowners insurance. For instance, homeowners in Webster, IN, who choose deductibles of 500 and 1500 pay premiums of $1006.77 and $857.39, respectively. Homeowners with deductibles of 2000 and 2500 pay, respectively, $778.31 and $731.64. Therefore, the higher the deductible, the lower the homeowners insurance rates in Webster, IN.
2. By Installing Safety Features
Homeowners insurance rates in Webster, Indiana, can be reduced by installing safety features in the home. Some safety features that may be eligible for a discount include smoke detectors, fire alarms, sprinkler systems, and deadbolt locks. Discounts vary by insurer, so it's essential to ask about safety discounts when shopping for homeowners insurance. Homes with sprinkler systems pay $937.48 on home insurance in Webster, IN.
3. By Maintaining a Zero Claims History
When you have a zero-claims history, your insurance company knows you are a low-risk customer. This means they are more likely to give you lower rates because they know you are less likely to file a claim. Insurance companies also offer discounts for customers with a zero-claims history. This is because they know that these customers are less likely to file a claim and want to encourage them to stay with the company. So, if you want to keep your insurance rates low, it’s important to maintain a zero-claims history. For instance, homeowners in Webster, Indiana, who have never filed a claim, must pay a premium of $876.34. On the other hand, homeowners in Webster, IN, who have one or two claims must pay $1090.33 and $1141.28, respectively.
Top Home Insurance Agents Near Webster, IN
| Home Insurance Company Near Webster, IN | Homeowners Insurance Agency Near Webster, IN | Address |
|---|---|---|
| Travelers | Bancy Murage | 9900 CORPORATE CAMPUS DR STE 3000, LOUISVILLE, KY, 40223 |
| Allstate | Greer Insurance Inc | 1110 High St, Brandenburg, KY, 40108 |
| State Farm | Jim Skees | 1317 N Dixie Hwy, Elizabethtown, KY, 42701-2621 |
| Travelers | Kathy Hagan Insurance | 237 CHAPLIN ROAD, BLOOMFIELD, KY, 40008 |
| Travelers | Peoples Insurance Inc | 114 S ENGLISH ST, LEITCHFIELD, KY, 42754 |
Webster, 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 |
|---|---|---|---|
| New Middletown town, Indiana | $123 | $164 | $246 |
| Harrison County, Indiana | $123 | $164 | $246 |
| Elizabeth town, Indiana | $120 | $160 | $240 |
Webster, IN Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Webster, IN | 5.9% | 16.8% |
| New Middletown | 5.41% | 49.64% |
| Harrison County | 6.36% | 20.67% |
| Elizabeth | 7.17% | 27.46% |
Webster Renters Insurance as a Percentage of Rent
| Webster Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 41 | 58.0% | $1922 |
| $750 to $999 | 29 | 41.0% | $2672 |
Cost Of Homeowners Insurance By Street Near Webster, IN
| Streets in Webster Area | Homeowners Insurance Cost |
|---|---|
| Ten Dollar Rd SE, Hillside Dr NE, Crandall Branch Rd NE, Highridge Dr NE, Baker Hill Ln, Hidden Valley NE, Wolfe Rd NE, Emily Rd NE, Hwy 62 NE, Autumn Dr NE | $836 |
| Hickory Trce NE, Red Sky Dr NE, Tandy Rd NE, Lanesville Rd NE, Saint Johns Church Rd SE, Douglas Ln NE, Cedarcreek Ct NE, Villa Rd NE, Ridge Dr, Reinhardt Rd | $845 |
| Ridgecrest Dr NE, New Middltwn Elizabeth Rd SE, Oakland Hills Dr NE, St Marys Dr NE, 3rd St SE, Cedarpointe Dr NE, Ferree Rd NE, Wismann Rd NE, Deerwood Dr NE, Old Salem Church Rd SE | $839 |
| New Middletown Rd SE, Montgomery Rd, McAdams Ln SE, Lazy Creek Rd NE, Lotticks Corner Rd SE, Walter Rd NE, Alpine Ct, Scenic Dr NE, M Phillips Rd, Brookside Ave NE | $837 |
| County Line Rd, Zollman Dr NE, Gun Club Rd NE, Hwy 64 NE, Harrison Trail Ct NE, Payton Rd SE, Big Indian Rd NE, State Rd 62, High Ridge Dr NE, Payton Rd | $843 |
Webster, IN Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Webster | $121 to $124 |
| New Middletown | $123 |
| Elizabeth | $120 |
| Corydon | $119 |