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The variables explained here drive your Elkhart, Indiana Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

Replacement Value of your home in Elkhart, IN is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Elkhart, IN & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Elkhart 2 Beds, 1 Bath, 1600 sqft $106,000 $31
Chikaming, MI 2 Beds, 1 Bath, 1,630 sqft $78,000 $51
Benton Heights, MI 3 Beds, 1 Bath, 1,510 sqft $111,000 $37
Monterey 4 Beds, 3 Baths, 1,670 sqft $117,000 $39
Bloomingdale, MI 2 Beds, 1 Bath, 1,020 sqft $57,000 $16
Paw Paw, MI 2 Beds, 1 Bath, 1,390 sqft $90,000 $35
Goshen 3 Beds, 2 Baths, 1,750 sqft $82,000 $38
Oregon 3 Beds, 2 Baths, 2,240 sqft $168,000 $56
Culver 2 Beds, 1 Bath, 1,660 sqft $163,000 $37
Notre Dame 2 Beds, 1 Bath, 1,110 sqft $50,000 $26
Argos 2 Beds, 1 Bath, 1,790 sqft $108,000 $51
Galena 2 Beds, 1 Bath, 1,560 sqft $137,000 $41
Michiana, MI 3 Beds, 2 Baths, 1,520 sqft $92,000 $33
Oshtemo charter, MI 2 Beds, 1 Bath, 1,390 sqft $71,000 $29
Antwerp, MI 3 Beds, 2 Baths, 1,830 sqft $99,000 $38
Shipshewana 3 Beds, 1 Bath, 1,310 sqft $56,000 $26
Kankakee 2 Beds, 1 Bath, 1,770 sqft $133,000 $45
Kimmell 4 Beds, 2 Baths, 2,970 sqft $259,000 $100
Nappanee 3 Beds, 1 Bath, 2,150 sqft $172,000 $44
Penn 3 Beds, 1 Bath, 1,680 sqft $70,000 $43
Berrien Springs, MI 4 Beds, 3 Baths, 1,780 sqft $125,000 $30

If your Elkhart, IN home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Elkhart:

Claim Typical Claim Amount
LIGHTNING $4,000
FIRE $53,000
MOLD $8,500

Your Elkhart, IN insurance agent (see examples below) can help with your claims.

  • Nationwide: Kenneth R. Popovich, 2448 miracle ln ste c, Mishawaka, IN, 46545-3010 (574) 256-1155
  • Farmers: Lu Ann Shaffer, 1730 miami st, South Bend, IN, 46613 (574) 234-1224
  • Travelers: Wesolowski Ins Agency, 216 south taylor street, South Bend, IN, 46601 574-233-5638
  • Liberty Mutual Independent: Laven Insurance Agency Inc, 2628 s michigan st, South Bend, IN, 46614 (574) 291-5510
  • Liberty Mutual: Chad R Lear, 7321 heritage square drive suite 2110, Granger, IN, 46530 1-574-247-1104

Your Background Impacts Your Home Insurance Quotes

Here is a list of Elkhart, IN homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 650-699 Credit Score <$25,000 More than 3 Pets at home, Smoker $920
Freelancer 600-649 Credit Score $50 to $75,000 2 Pets, Smoker $390
Unemployed 750-799 Credit Score <$25,000 3 Pets, Non-Smoker $240