Home Insurance in Lafayette, IN
Safeguard your home against common threats with home insurance in Lafayette.
Rated highly for families, schools and parks. Lafayette is a very family-friendly place. There are many activities to do for people of all ages. The local arcade offers games, mini golf and laser tag. The Columbian Park Zoo has animals and outdoor areas for your enjoyment, and the Haam Museum of Indiana Art offers stunning masterpieces and a magnificent sculpture garden. No matter your choice of activity, having a home insurance policy in Lafayette will protect you and your home in case the unexpected happens.
Lafayette has a wet climate, with long, warm and humid summers with rain and cold, snowy and windy winters. The temperature ranges from 20 to 85 degrees in the average year. Because of the wet climate, if you live in an area with a higher risk of flooding, adding flood coverage to your insurance plan may be a good idea. In addition, you should have home insurance to protect you in case of damage from a thunderstorm or snowstorm.
The average age of residents in Lafayette is 35. This indicates a large number of families in the area, with kids of all ages and careers that are well-established. Almost half of Lafayette residents are homeowners. The average home value is $229,626 in Lafayette. This is very close to the state average. Lafayette has many different homes available, from single-family homes to townhomes and everything in between. Whether you live in a single-family home or a multi-family dwelling, having home insurance in Lafayette is crucial to protecting you, your home and your belongings.
Both violent and property crime is higher in Lafayette than in the state of Indiana. Your chance of being a victim of a violent crime is one in 194. and the chance of being a victim of a property crime is one in 36. Due to these higher-than-average numbers, having home insurance is crucial to protect you from a robbery, burglary or theft.
Home insurance in Lafayette costs about $1,468 annually, lower than the state average. Part of this is due to the lower cost of living than state and national rates. While the rates for home insurance are already reasonable, there are things you can do that may bring them down even more.
Comparing rates from different insurance companies can help you lock in the best rate. VIU by HUB makes this easy and allows you to compare policies and quotes to find the best one for you.
Increasing your deductible can bring your annual rate down. While this means you will be paying more in the event of a peril, it can save you with your month-to-month bills.
Taking preventative measures can help reduce your rates. In addition to a security system, smoke alarms and carbon monoxide detectors can reduce your rates and keep you and your family safer.
Lenders will look at your credit score to determine your lending risk. A better credit score will likely land you a better rate. Do what you can to keep your credit in good condition.
Home insurance in Lafayette is essential to protect you from the perils of home ownership. Using VIU by HUB to compare insurers and policies can make it easier to find the rate that is right for you. Be sure to read your policy thoroughly so you have an understanding of what is covered.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
