Updated: December 13, 2024
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In South Bend, Indiana, American Family is both the overall best and cheapest choice for home insurance. However, if customer service is your priority, Auto-Owners Insurance is the best.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Factors like budget, coverage needs and service quality should influence your choice.
Best HomeInsuranceSouth Bend, INTable of Contents
Why Trust MoneyGeek? We used data from Indiana's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in South Bend, ensuring reliable and industry-standard-backed recommendations.
Home insurance premiums in South Bend are based on the most competitive estimates as of September 2024.
MoneyGeek found that American Family is the best option for home insurance in South Bend, IN, for $100K dwelling coverage, with a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in South Bend range from 44 to 93. These figures reflect MoneyGeek's scoring system, as insurers may get different scores based on factors like credit history or the age of your home.
| American Family | 93 | $748 |
| Auto-Owners Insurance | 90 | $1,493 |
| State Farm | 88 | $1,065 |
| Nationwide | 80 | $1,004 |
| Farmers | 74 | $1,377 |
| Allstate | 73 | $766 |
| Travelers | 44 | $4,051 |
MoneyGeek found that American Family is the best option for $100K dwelling coverage in South Bend, IN. The two best overall home insurance companies in the city for the same dwelling coverage are:
American Family is the best home insurance provider because it offers a good balance of affordability and customer satisfaction, which are significant contributors to its MoneyGeek score.
Various companies offer different prices and service experiences in South Bend. Although cost is crucial, consider factors like customer service and claims handling, which are important when making claims.
American Family scores high in affordability and customer satisfaction. It provides different comprehensive coverages. Equipment breakdown protects appliances from mechanical issues. Back-up of sewer or drain coverage helps if your basement floods. Personal property replacement cost ensures you get the full value for damaged items.
Homeowners can save with discounts like smart home and bundling, offering savings for using smart devices or combining policies.
MoneyGeek found that Auto-Owners Insurance offers the best customer service in home insurance in South Bend, IN, for $100K dwelling coverage. Here are the top two providers for customer service:
Auto-Owners Insurance tops the list thanks to its excellent customer satisfaction and comprehensive coverage options. Excellent service in home insurance means quick help when you need it and clear, simple answers to your questions.
Auto-Owners is the best for service quality, with high customer satisfaction and coverage scores. It provides useful coverages. Guaranteed replacement cost helps if your coverage limit is too low. Equipment breakdown covers failures of home appliances. Building ordinance or law enables you to meet local building codes.
You can save with discounts like the paperless option and responsible payment, which you can qualify for by paying on time for 36 months.
MoneyGeek found that American Family is the best cheap home insurance option in South Bend, IN. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
American Family stands out for its great affordability and customer satisfaction ratings. Choosing cheap home insurance usually means selecting lower coverage, which saves money but may not be enough if a claim is needed.
If saving on premiums is crucial, checking out the cheapest companies or learning the average cost of homeowners insurance in Indiana could help. The best cheap and cheapest home insurance is different because the former considers quality, not just price.
American Family is the best cheap company due to its high affordability and satisfaction scores. It offers comprehensive coverages, such as equipment breakdown, which protects appliances, and sewer or drain back-up, which helps with water damage.
You can save with discounts like smart home, which requires a qualifying device, and paperless billing.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
In South Bend, many factors affect homeowners insurance, including location. Comparing rates is key to saving money, though it can take 15 minutes per company. To save time, use MoneyGeek's home insurance calculator. Enter your age, dwelling coverage, credit score, deductible, liability coverage and more to get a rate estimate quickly.
MoneyGeek found that American Family is the best option in South Bend, IN. The key factor influencing home insurance premiums is the dwelling coverage you choose.
American Family stands out for its great balance of cost and top MoneyGeek score. For dwelling coverage of $250K and $500K, Allstate offers the lowest rates, though its overall score isn't the highest. Getting the cheapest homeowners insurance in Indiana can help you manage your finances.
| American Family | $748 |
| Allstate | $766 |
| Nationwide | $1,004 |
| State Farm | $1,065 |
| Farmers | $1,377 |
| Auto-Owners Insurance | $1,493 |
| Travelers | $4,051 |
Allstate is the most affordable option for high-value home insurance in South Bend, IN. Homes requiring high dwelling coverage, like $750K, need more insurance due to increased home insurance costs for replacement.
According to MoneyGeek, while Allstate is the cheapest for high-value homes, another provider with a higher overall score may be better for other criteria.
| Allstate | $1,974 |
| American Family | $2,920 |
| State Farm | $4,433 |
| Nationwide | $5,316 |
| Farmers | $5,432 |
| Auto-Owners Insurance | $6,072 |
| Travelers | $12,592 |
Nationwide offers the cheapest home insurance for new homes in South Bend, IN.
Nationwide stands out as the most affordable for new homeowners in South Bend, though it may not be the superior choice for other criteria based on MoneyGeek's evaluation. It’s important to ensure you are adequately covered.
| Nationwide | $351 |
| Allstate | $526 |
| American Family | $537 |
| State Farm | $639 |
| Farmers | $996 |
| Auto-Owners Insurance | $1,049 |
| Travelers | $1,667 |
The best cheap homeowners insurance providers balance quality and cost by offering excellent customer service and coverage with affordable premiums. The best cheap homeowners insurance in South Bend depends on your needs, considering factors beyond premiums like coverage options, customer service and financial stability. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the specifics of your home in South Bend, such as rebuilding costs, personal property value and liability requirements.
Research insurance companies in South Bend. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in South Bend, premiums can vary from as low as $748 to as high as $4,051 annually.
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but make sure it's an amount you can afford to pay in case of a claim.
Adding security systems and sturdy locks can decrease your home's risk profile and potentially lower insurance costs.
Keep a good credit score as it can affect your insurance rates in South Bend. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, like auto insurance. This can lead to significant discounts and savings.
The best cheap home insurance provider in South Bend depends on how much coverage you need and your budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in South Bend, IN.
The average home insurance cost in South Bend is $1,144.
The cheapest home insurance company in South Bend, is American Family, with an annual premium of $748.
The best home insurance in Indiana for South Bend residents is from American Family, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
