Anton Insurance Agency, Inc.
155 S Calumet Rd, Chesterton, IN 46304
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Chesterton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
155 S Calumet Rd, Chesterton, IN 46304
View this agency's profile to learn more about their services.
1531 S Calumet Rd, #3, Chesterton, IN 46304
View this agency's profile to learn more about their services.
760 S Calumet Rd, Chesterton, IN 46304
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Chesterton residents.
Chesterton home insurance averages $720-$976/year. Learn about lake effect snow coverage, flood insurance needs, and savings tips for Porter County homeowners.
Car InsuranceChesterton auto insurance averages $1,100/year. Learn about Indiana's 25/50/25 requirements, I-94 risks, and coverage options for Porter County drivers.
General Insurance EducationDiscover insurance options for Chesterton, IN. Learn about auto, home, renters, and flood coverage near Indiana Dunes with rates and requirements.
Chesterton homeowners typically pay between $720 and $976 annually for home insurance, or about $60-$81 per month. This is significantly lower than Indiana's state average of $2,991 per year. Your actual rate depends on your home's age, value, construction type, and proximity to Lake Michigan, as well as your chosen coverage limits and deductible.
Most standard home insurance policies cover ice dam damage, including water intrusion and repairs, since it results from winter weather conditions. However, you should verify this coverage is explicitly included in your policy and understand what your deductible is. Some carriers charge separate wind and hail deductibles that could apply to roof damage from heavy snow and ice.
Standard home insurance excludes flood damage entirely, so if your Chesterton home is in or near a flood zone—or at lower elevation near Lake Michigan—you should strongly consider separate flood insurance through NFIP or a private carrier. Your mortgage lender may require it if you're in a designated flood zone. Even if you're not, heavy rainfall combined with poor drainage can cause basement flooding anywhere in Porter County.
Yes, home insurance typically covers burst pipe damage including water cleanup and repairs—but only if you maintained adequate heat in your home. If you commute to Chicago and your home sits empty during the day, consider installing a smart thermostat you can monitor remotely to ensure temperatures don't drop too low. Insurers can deny claims if freezing resulted from failure to maintain heat.
Generally yes. Older homes often have outdated electrical systems, plumbing, or aging roofs that insurers view as higher risk. Some carriers won't cover homes with knob-and-tube wiring or roofs over 20 years old without upgrades, while others will insure them at significantly higher premiums. Always get an insurance quote before purchasing an older home to factor the true cost into your budget.
Porter County shoppers who compare multiple quotes save an average of $339 annually. You can also save by bundling home and auto insurance (15-25% discount), raising your deductible, installing security and monitoring systems (5-20% discount), and ensuring you're getting all applicable discounts like claims-free, new home, or protective device discounts. With Indiana rates rising 16% between 2021 and 2024, shopping around matters more than ever.
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