Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Lake County, IN agent.

Lake County, IN Homeowners Insurance Quotes

Homeowners of Lake County, you are paying around $99.25 a month for basic or HO-3 standard homeowners insurance coverage. If you would like to pay less than average for your home insurance premium, you are in the right place. We will be happy to help you shop and compare home insurance rates for your home in Lake County, our job is to help you find better than average quotes that is less than $1191 per year. Lake County residentents are happy to use our service and benefit from comparing competitive Indiana homeowners insurance rates all in one place. Our online quoting application allows you to review up to 12 competitive rates which makes it easy for you to see which carrier may have the lowest rate. But also which insurance provider has the best coverage. Let us help you shop your Lake County, IN home insurance rate quotes today!

For all Lake County, IN residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Lake County? Simply enter your zip code to get your Indiana homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Lake County, IN Housing Demographics

With 496,005 residents living within the Lake County area there are over 208,750 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 127,647 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Lake County.

DemographicValues
Total Occupied Households188,157
Family Households (families)127,647
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units208,750

Lake County, IN Coastal Wind, Hail & Flood Information

For all homeowners living in Lake County (FIPS: 18089), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Indiana is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Lake County, IN, it's important that you look into hurricane and windstorm insurance options.

Lake County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Indiana.

Helpful Articles:

Lake County, IN Home Insurance Average Premiums

Local Lake, IN homeowners insurance quotes comparison

$863 /yr.

Indiana's Average Home Insurance Rates Overall

For the state of Indiana, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 35 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$636 /yr.
Current Average Cost:$863 /yr.
Maximum Range:$1191 /yr.

Lake County, IN Coastal Wind, Hail & Flood Information

Lake is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Lake is know for it's beautiful beaches and waterways. Because Lake County (FIPS: 18089) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Lake County.

Indiana Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

Discounts For Homeowners in Lake County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Indiana homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Lake County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Lake County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Lake County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Lake County Housing & Real Estate Data

Details:Statistics
Total Housing Units208750
Occupied Housing Units188157
Vacant Housing Units20593
Vacant Housing Units for Rent6284
Vacant Housing Units Rented Not Occupied230
Vacant Housing Units For Sale3032
Vacant Housing Units Sold Not Occupied593
Vacant Housing Units For Seasonal Occasional Use819
Vacant Housing Units All Other Vacants9635
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units188157
Housing Tenure Occupied Units Owner Occupied130460
Housing Tenure Occupied Units Owner Occupied Population347969
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied57697
Housing Tenure Occupied Units Renter Occupied Population141687
Housing Tenure Occupied Units Renter Occupied Average Household Size2