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St Joseph County, IN Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your St Joseph County IN home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Indiana. Our agents specialize in the best rates for St Joseph County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in St Joseph County

Did you know the average home insurance premium for the state of Indiana is $1021 a year. That's $85.08 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in St Joseph County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in St Joseph County IN. Simply give us a call now at 1-855-976-2656

For all St Joseph 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 St Joseph 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.

St Joseph County, IN Housing Demographics

With 266,931 residents living within the St Joseph County area there are over 114,849 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 66,365 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 St Joseph County.

DemographicValues
Total Occupied Households103,069
Family Households (families)66,365
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units114,849

St Joseph County, IN Home Insurance Average Premiums

Local St Joseph, IN homeowners insurance quotes comparison

$833 /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:$833 /yr.
Maximum Range:$1030 /yr.

Indiana Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

Discounts For Homeowners in St Joseph 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 St Joseph 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 St Joseph 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 St Joseph 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.

St Joseph County Housing & Real Estate Data

Details:Statistics
Total Housing Units114849
Occupied Housing Units103069
Vacant Housing Units11780
Vacant Housing Units for Rent4292
Vacant Housing Units Rented Not Occupied134
Vacant Housing Units For Sale2094
Vacant Housing Units Sold Not Occupied377
Vacant Housing Units For Seasonal Occasional Use722
Vacant Housing Units All Other Vacants4161
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units103069
Housing Tenure Occupied Units Owner Occupied71454
Housing Tenure Occupied Units Owner Occupied Population183630
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied31615
Housing Tenure Occupied Units Renter Occupied Population72029
Housing Tenure Occupied Units Renter Occupied Average Household Size2