Fort Wayne Home Insurance

Find the right Fort Wayne home insurance to shield your property from weather, vandalism, fire and other covered events.
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Moving to the Fort Wayne Area

With a population approaching 268,000 residents as of the most recent U.S. Census data. Fort Wayne ranks second to Indianapolis as the largest city in Indiana. If you're looking for a home here, you'll find everything from incredible historic 19th-century homes to sleek, modern new construction. When you invest in a new residence in the city, Fort Wayne home insurance can protect your home and your finances from unexpected catastrophic events.

Finding a Home in Fort Wayne

Fort Wayne has the benefit of a lower-than-average cost of living. particularly when it comes to housing. According to data from Sperling's Best Places, the median home cost is about $197,000, almost 42% below the national average and more than 11% below the state average.

While home prices are affordable in the city now, Fort Wayne may be one of the nation's next hot markets. The Wall Street Journal ranked the metro as the second fastest emerging housing market in the U.S. as reported by 21 Alive News. It's a great time to get in on the ground floor if you're attracted to the city's mix of cultural attractions and historic neighborhoods.

Potential Issues for Fort Wayne Homeowners

High winds can create trouble for property owners across Indiana. The state has a significant risk of severe storms such as hurricanes, although tornadoes are relatively uncommon. According to the National Weather Service, hazardous weather hits the city on about 10 days of the year. If you purchase a home near a body of water such as the Maumee River, you may want to expand your Fort Wayne home insurance to add a flood rider.

The city's rate of property crimes such as vandalism and theft may also cause concerns. Fort Wayne averages 2.76 incidents per 100 residents a year according to Sperling's Best Places, compared to a national rate of 2.11 and a state rate of 1.97. You can find an affordable homeowner's insurance policy that covers the replacement of your valuables by shopping personalized quotes with VIU by HUB.

The Cost of Fort Wayne Home Insurance

Homeowners in Fort Wayne pay an average of $2,344 for home insurance, compared to $2,417 across the U.S. and $2,146 across Indiana according to MarketWatch. The city's high population density and above-average crime rates likely increase the premium cost over the state average, while the low cost of housing compared to the national average helps you save. VIU by HUB connects you with the right policy for your needs with fast, easy online quotes from multiple providers.

Fort Wayne Home Insurance Requirements

Most homeowner's insurance policies pay for damage caused by fire, wind, theft, vandalism and other covered events. They typically do not pay for damage caused by floods, earthquakes or mudslides unless you add extra coverage with a policy rider.

When a covered event occurs, your insurance company will repair or replace the structure itself and the property inside up to your policy limits. Homeowner's insurance also pays medical bills and legal costs if someone outside the family suffers an injury at your home.

The Homeowner's Insurance You Need in Fort Wayne

You can protect your finances from catastrophic damage with high-quality Fort Wayne home insurance. Costs can vary dramatically from one provider to the next, so it's important to get more than one quote for the best rates. VIU by HUB saves you time and money with our smart online quote tool.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


21 Alive News


National Weather Service

Sperling's Best Places

U.S. Census Bureau

Home insurance in Indiana by city

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