Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in South Bend

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored South Bend Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

67

Reviewed

44

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
South Bend, IN
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Insurance Trustees Inc. is an independently owned and operated insurance agency that has been working with the South Bend community for over 80 years. The company helps homeowners find insurance packages that are tailored to the specific needs of their home. It also offers insurance plans for clients who are renting their homes. Additionally, the company sells policies to cover clients' businesses, farms, and classic, collector, traditional, and recreational vehicles.

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.
4.6
Google
4.6 / 5 (11)

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
4104 Miami Street, South Bend, IN 46614
  • Fire
  • Multiple Policy Types

Why choose this provider?

Michiana Family Insurance in South Bend insures homeowners and their property from damage, loss, and other risks. It provides the appropriate homeowners' insurance policy for condo owners, renters, and landlords. It has policies that cover destruction from fires, storms, and other natural disasters. It also offers policies that can financially protect clients whenever a person is injured on their property. Michiana Family Insurance has been in the industry for more than 20 years.

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.
4.8
Google
4.8 / 5 (16)
Facebook
5.0 / 5 (5)
Yelp
4.0 / 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
928 South Mayflower Road, South Bend, IN 46619
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Fire
  • Condos

Why choose this provider?

Salinas Insurance Agency is an independent agency that has more than 12 years of experience in the insurance sector. With a location serving clients in South Bend, it specializes in offering homeowners' insurance policies to property owners looking to protect themselves financially from disasters. Salinas Insurance Agency provides homeowners with options from various insurance carriers, helping them find the right named perils or all-risk policy for them. The agency also helps clients find auto, personal, life, health, and business 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.
4.8
Google
4.6 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13800 Jackson Road, Mishawaka, IN 46544
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire

Why choose this provider?

Synergy Insurance Group is an insurance agency working with the residents of South Bend and the nearby areas. The company offers a variety of coverages for clients' homes, such as those that cover damages from fire, floods, and vandalism. It also offers policies that protect the contents of the home in the case of theft, including jewelry, fine art, and collectibles. Additionally, the company sells insurance for vehicles, offices, and restaurants.

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
Facebook
4.6 / 5 (11)
Google
4.3 / 5 (10)

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
11590 McKinley Highway, Osceola, IN 46561
  • Multiple Policy Types

Why choose this provider?

Justin Elias is an insurance agent working with State Farm Insurance who serves clients in South Bend and the nearby areas. The agent offers quotes for homeowners insurance policies that cover the costs of repairs for properties that were damaged by natural disasters. His policies also cover personal injury liability for visitors who were hurt on the property. Additionally, Elias sells plans for motor vehicles, businesses, health care, and pets.

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 (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
331 South Eddy Street, South Bend, IN 46617
  • Fire
  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

WalkerHughes Insurance is an insurance agency serving the residents of South Bend that has an additional dozen locations in the area. The agency offers property and liability homeowners insurance. This covers the cost of repairs for clients' damaged homes, as well as the cost of medical care for visitors who were injured on the property. The company also offers coverage for clients' motorcycles and boats, condos, restaurants, and law firms.

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
Facebook
4.9 / 5 (112)
Google
4.8 / 5 (13)

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
1501 North Oak Drive, Plymouth, IN 46563
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

TCU Insurance Agency is a credit union and insurance agency working with the residents of South Bend. The company has seven additional locations in Indiana and Michigan, and its team sells insurance plans that cover the cost of repairs for clients' homes that have been damaged by vandalism, fires, and storms. It also sells plans for renters. Additionally, TCU Insurance Agency has life, auto and motorcycle, health, and business insurance packages.

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
4.6 / 5 (8)
Facebook
3.0 / 5 (2)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
51596 State Road 933 North, South Bend, IN 46637
  • Multiple Policy Types

Why choose this provider?

Michiana Insurance protects homes and homeowners in and around South Bend. The homeowners' insurance agency helps clients secure their family and assets from fires and natural disasters that may damage their homes. It also safeguards clients against thefts and burglaries, reimbursing the client for the loss of property or its repair. The agency also assists clients in covering medical expenses and liability protection when a guest is injured within the clients' property. Michiana Insurance was established in 1980.

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
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (4)
Yelp
4.0 / 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
1323 North Ironwood Drive, South Bend, IN 46615
  • Multiple Policy Types

Why choose this provider?

Aldridge Insurance helps homeowners in and around South Bend protect their homes, assets, and properties. It is a homeowners' insurance agency offering policies for different needs such as property damage coverage, personal property floaters, and medical payment coverage. Property damage coverage pays for damage to a client's home, personal property, and other attached structures, while personal property floaters further expand the coverage of insurance. Medical payment coverage pays for any injuries of someone who is not part of the family.

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 (114)
Facebook
5.0 / 5 (45)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
333 North Lafayette Boulevard, South Bend, IN 46601
  • Condos
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Rockstroh Insurance Agency, Inc., is a locally-owned and operated homeowners' insurance agency that serves clients in the South Bend metro area. It offers a home insurance policy that protects the primary home, other structures built on the property, personal possessions, and additional expenses as a result of a covered loss. Aside from home insurance, it also offers renters insurance and condo owners' insurance, which are more suitable to condo investors, owners, and tenants.

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.
4.2
Google
4.2 / 5 (5)

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.
  • How much is the typical deductible for homeowners' insurance in South Bend?

    In South Bend, the typical deductible for homeowners' insurance is $500. This means that if a covered loss occurs, the policyholder is responsible for the first $500 of the claim. Deductibles like these help consumers save money on insurance by discouraging small, routine claims that can be costly to process. The cost savings are then passed on to policyholders in the form of lower insurance premiums.

  • Does homeowners' insurance provide coverage for losses that occur during property rental in South Bend?

    No, homeowners' insurance does not cover losses that occur during South Bend property rental. The coverage you require is determined by the type of rental. Some insurers may cover short-term rentals with advance notice, while others require additional endorsements. However, regular, long-term rentals necessitate rental dwelling or landlord insurance. This type covers physical damage, personal property, liability, and rental income loss.

  • Is current homeowners' insurance required for the South Bend Home Repair Program?

    Yes, having current homeowners' insurance is one of the additional eligibility criteria for the South Bend Home Repair Program. The South Bend Home Repair Program is a city-sponsored program that assists low-income homeowners with home repairs and improvements. The program provides grants to eligible homeowners in specific neighborhoods, with a focus on low-income individuals. Roof and furnace replacements are examples of major home repairs that may be covered.

  • Can poor home maintenance lead to denied insurance claims in South Bend?

    Yes, poor home maintenance can lead to insurance claims being denied in South Bend. If damage occurs as a result of failing to properly maintain your property, insurers may deny your claim. To avoid this, it's critical to be proactive with home maintenance, addressing issues as they arise and performing routine maintenance tasks. This not only helps to avoid claim denials, but it also makes the property safer and more valuable in the long run.

  • Do you need any special homeowners' insurance coverage in South Bend?

    The state of Indiana does not require any special home insurance coverage. If you live in a high-risk flood zone, such as South Bend, and have a mortgage from a federally regulated or insured lender, you may be required to obtain flood insurance. It is worth noting that flood insurance can be useful even if it is not legally required to protect your home from flood-related damage.

  • 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.

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