Expertise.com

Best Homeowners Insurance Agencies in Hammond

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Homeowners Insurance Agencies FAQs 〉

Providers

Last updated:

Website
663 River Oaks Drive, Calumet City, IL 60409
  • Multiple Policy Types

Why choose this provider?

Insurance Navy is available to its customers 24 hours a day. Serving homeowners in the Hammond area, it offers an array of policy options from carriers such as Foremost Insurance Group, Progressive, and Safeco Insurance. Policies can be compared and purchased online. Alternatively, clients can visit an agent in-person to obtain advice and find the best policy to suit their needs. In addition to home insurance, Insurance Navy also provides renters, auto, and SR-22 insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (290)
Facebook
5.0 / 5 (40)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1315 119th Street, Whiting, IN 46394
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

American Trust Insurance Services is an independent agency serving clients near Hammond. It works with many insurance carriers to provide property owners the homeowners' insurance policies they need to protect themselves from life's financially devastating curveballs. Standard homeowners' policies protect a home and valuables from disasters and accidents and homeowners against personal liabilities. Renters, condo, and umbrella insurance policies are also available at the agency. Insurance agents at American Trust Insurance Services are licensed in Michigan, Illinois, and Indiana.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
3.9 / 5 (8)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4801 White Oak Avenue, East Chicago, IN 46312
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Discount Family Insurance has been servicing clients in Hammond since 1995. It offers a standard homeowners' insurance policy that protects the home and the things inside it. The package policy covers damage to the property and liability for any injuries or property damage caused by clients and their families to other people. It also provides financial protection from damage caused by disasters like floods, earthquakes, and poor maintenance. Homeowners can recover their losses from theft or vandalism.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (33)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
7207 Indianapolis Boulevard, Hammond, IN 46324
  • Multiple Policy Types

Why choose this provider?

Ron J. Prestamer Insurance Agency is a Hammond-based independent agency that specializes in various insurance products, including homeowners' insurance. The homeowners' insurance financially protects the structure and contents from damages caused by a covered disaster, such as fire. If the home becomes uninhabitable, additional living expenses are covered by the policy. Also included in homeowners insurance is liability protection against injuries or damages to others because of the action of a family member or pet. The company shops from different insurance companies based on clients' insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1115 Cumberland Xing Valparaiso, IN 46383, Valparaiso, IN 46383
  • Renter's Insurance

Why choose this provider?

Tom Herteges Indiana Farm Bureau Insurance provides homeowners insurance policies for customers in the Hammond area. This agency is dedicated to helping clients understand how coverage works and how much coverage they require to protect their financial wellbeing after a major disaster occurs. In addition to homeowners insurance, Tom Herteges also offers help with renters, life, and auto insurance policies. Indiana Farm Bureau Insurance has a 24-hour claims service hotline.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
719 North Convent Street, Bourbonnais, IL 60914
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

George Ryan Jr. Insurance Group Inc. offers an array of personal and commercial insurance products for clients in the Hammond area. That includes home and renters insurance policies that help customers cover costs that are associated with repairs and replacing home contents after a major disaster or theft occurs. Other insurance policies this company sells include landlord, motorcycle, flood, and health insurance policies. Carriers this agency works with include Kemper Preferred, MetLife, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
5.0 / 5 (8)
Google
3.7 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
7114 Calumet Avenue, Hammond, IN 46324
  • Multiple Policy Types

Why choose this provider?

Rosenwinkel Insurance is a Hammond-based firm that carries personal and commercial insurance products from different providers. Its insurance agents work closely with homeowners to create insurance plans that are tailored to their needs. They also assist in identifying potential risks and in choosing appropriate coverage options for homes and properties. Coverage packages for homeowners include building repairs due to perils such as explosion and fire, loss of personal items like electronics and furniture, and injury-related liability exposures.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)
Facebook
5.0 / 5 (23)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6929 Hohman Avenue, Hammond, IN 46324
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Ogren Insurance is a Hammond-based insurance service provider that has helped individuals and businesses since 1947. It writes insurance policies that financially protect homeowners from damages and losses due to accidents or catastrophic events. The homeowners' insurance generally covers the actual structure of the house, other structures not attached to the house, personal possessions, and additional living expenses if the house becomes temporarily unlivable. The policy can also protect against claims and lawsuits if the client's home causes an injury to other people or if the client accidentally damages another's property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6935 Calumet Avenue, Hammond, IN 46324
  • Multiple Policy Types

Why choose this provider?

Scott Angel - State Farm Insurance Agent is an insurance agency that provides auto, home, property, business, life, and health insurance solutions to families and individuals in Hammond and nearby areas. A State Farm agent for the past seven years, Angel offers various policy options, such as homeowners' insurance to protect the home from various threats including hail, fire, and theft, and belongings at home, such as jewelry, musical instrument, appliances, and lawn decorations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.8 / 5 (13)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8244 Kennedy Avenue, Highland, IN 46322
  • Multiple Policy Types

Why choose this provider?

Crowel Agency, Inc is a Hammond-based insurance firm serving homeowners in the metro. Its professional agents shop and compare rates from more than 30 trusted insurance providers. They design insurance policies that are customized according to the potential risks present in each client's home. The firm's homeowners' insurance plans primarily cover losses resulting from robberies, fire damage, and non-resident injuries. Crowel Agency, Inc also offers insurance products for cars and businesses

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (132)
Facebook
5.0 / 5 (1)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • In Hammond, what is the distinction between medical payments and liability coverage when it comes to homeowners' insurance?

    In Hammond, the medical payments portion of homeowners' insurance covers the costs of healthcare treatment that are needed by people who suffer an accident on one's premises. Liability assurance covers personal injury and property damage claims made against the homeowner wherever the incidents occur. The mishap does not have to be in the covered home.

  • Will ordinary homeowners' insurance in Hammond cover the cost of rebuilding a damaged home to meet updated building codes?

    No, ordinary homeowners' insurance in Hammond does not cover the cost of rebuilding a damaged home to meet updated building codes. For this kind of coverage, the insured has to take out a separate plan that covers this specific contingency because normally these contracts consider the home and law in the state when the document was written.

  • What is the remedy for a homeowner in Hammond who wants more extensive limits to current homeowners' insurance products?

    A homeowner in Hammond who wants more extensive limits to current homeowners' insurance products should consider an umbrella plan. This would raise the ceiling on how much of a claim the insurer would compensate. However, this is usually limited to personal liability matters and may cost more.

  • If a homeowner in Hammond augments a home assurance plan with umbrella coverage, does that remove the ceiling for payouts?

    No, when a homeowner in Hammond gets a home assurance plan augmented with umbrella coverage, the ceiling for payouts is not removed. It is raised beyond the usual customary limits in routine plans, but it does not become infinite. There is still a point where the insured might have to pay out-of-pocket, especially if the damages awarded are extensive.

  • What is the correlation in Hammond between deductibles and premiums in homeowners' insurance?

    In Hammond, deductibles and premiums in homeowners' insurance are inversely proportional. The higher one goes, the lower the other is. Deductibles refer to the proportion of a claim that the insured has to pay out-of-pocket. Since this lowers the sums that the insurer is liable for, it likewise reduces the premium demanded if deductibles go up.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2023

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.