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In Indiana, the average cost of homeowners insurance is $1,000 per year, which is just below the national figure at $1,211 annually. Exact rates can be obtained through custom quotes tailored to your specifics.
Each state has certain laws around insurance coverage. In Indiana, you're not required to carry homeowners insurance by the state. However, if you have a mortgage, they'll mandate a policy to get a loan. With Indiana having more than $1 billion in homeowners claims paid in one year alone, the proper protection is necessary to avoid significant out-of-pocket expenses.
To work with the best usually means you'll get superior coverage and rates. In Indiana, Nationwide, Travelers, State Auto, and Safeco insurance companies are among the top markets. This is due to their low premiums and broad coverage selection. You can get custom quotes through these and other carriers to find which insurance company suits your needs and budget.
Indiana homeowners insurance is calculated using various risk factors. Check out what carriers use to determine your home insurance rates below:
Yes, Indiana has 503 independent insurance agencies in existence currently. This gives you a lot of options when choosing a local agency for your homeowners protection. An independent agent will shop coverage and rates with dozens of carriers for free, making it a no-brainer.
When it comes to home coverage, you'll want to be sure your policy includes replacement cost for your property and water/sewer back-up protection. Check out discounts that could save you some premium dollars as well:
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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