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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Indiana, the average annual premium is $983. Even though insurance is much less expensive for homes in Indiana than it is throughout much of the country, there is still room for big savings. Let a local independent insurance agent help you find coverage at the best price.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Indiana homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016 insurance companies spent more than $1 billion on home insurance claims in Indiana. That's a lot of unfortunate events happening to Indiana homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Indiana is compared to the rest of the US.
Property crime rates in Indiana exceed the national average. Homeowners should take steps to protect their property and should be sure that their home insurance coverage limits are sufficient to adequately protect them in the event of a break-in.
Winter weather in Indiana can cause a lot of difficulties for local homeowners. Freezing temperatures can lead to frozen pipes and water damage, and heavy snow can lead to problems with collapsing roofs. Home insurance is designed to cover these and other risks.
The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Indiana, the average home values are significantly lower than the national average, which helps to explain why costs in this state are relatively low when compared to other states.
Yes! There are currently 503 independent insurance agents in Indiana who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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