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Vigo County, IN Homeowners Insurance Quotes

You may find it interesting that Vigo County, IN home insurance rates on average are around $85.08 per month for a basic policy. In Indiana, your premium right now could be in the average range of $1021 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. Because rates have increased, we can easily help you save more money on your homeowners insurance while also assisting you in review which coverage option is best for you. It is a good financial decision to choose a great carrier with enhanced coverage options that may be not the cheapest rate but the best protection for your home in Vigo County.

Comparison shopping online for home insurance in Indiana is easy and hassle free with our easy to use online quoting application. We can help you review top carriers, affordable rates and enhanced coverage options all in one place. You might also like to know that our enhanced coverage option features better coverage for your home when you need it the most. Cheaper insurance rates have low coverage details written within the policy that you may not have read clearly enough. Don't wait until it is too late, you want an insurance provider you can trust and depend on, especially when you have taken on a loss and need to be refunded for damages. Let us help you shope and compare Vigo County, IN quotes today!

For all Vigo 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 Vigo 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.

Vigo County, IN Housing Demographics

With 107,848 residents living within the Vigo County area there are over 46,006 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 25,607 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 Vigo County.

DemographicValues
Total Occupied Households41,361
Family Households (families)25,607
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units46,006

Vigo County, IN Home Insurance Average Premiums

Local Vigo, 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

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

Discounts For Homeowners in Vigo 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 Vigo 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 Vigo 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 Vigo 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.

Vigo County Housing & Real Estate Data

Details:Statistics
Total Housing Units46006
Occupied Housing Units41361
Vacant Housing Units4645
Vacant Housing Units for Rent1848
Vacant Housing Units Rented Not Occupied56
Vacant Housing Units For Sale665
Vacant Housing Units Sold Not Occupied184
Vacant Housing Units For Seasonal Occasional Use231
Vacant Housing Units All Other Vacants1661
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units41361
Housing Tenure Occupied Units Owner Occupied26374
Housing Tenure Occupied Units Owner Occupied Population65326
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied14987
Housing Tenure Occupied Units Renter Occupied Population32977
Housing Tenure Occupied Units Renter Occupied Average Household Size2