Being the state capital, the 12th largest city in the country and a thriving economic and commercial center you might think that Indianapolis would be an expensive place to buy home insurance. In fact, the state of Indiana’s average home insurance premium is only $840 compared to the national figure of $1,034.
When you are looking for Indianapolis, IN home insurance quotes, contact a Trusted Choice® independent agent. Independent agents work with several top insurers at the same time – not just one, like a captive agent – and can provide you with multiple options after one quick phone call. You’ll be confident you’re getting the best Indianapolis homeowners insurance on the market when you work with these exceptional insurance professionals. Call today or enter your ZIP code to get started.
Home insurance can be complicated, as there are many more things to consider than you might first realize. First, you have to insure the house structure and contents. You probably realize you’ll face a huge cost if a tornado were to cause significant damage to your home, for example.
What if a hole in your driveway causes injury to a passerby, or your dog bites a neighbor? In these cases, the liability portion of your homeowners insurance comes into play. Without adequate liability coverage set at a proper limit for your risks, you could face major costs for medical bills or legal fees.
When you’re considering Indianapolis home insurance quotes, you need to take into account several factors unique to your situation, for example:
Each of these items will affect the premium you get from an insurer. For example, if your neighborhood has a high crime rate, you can expect your homeowners insurance premium to be higher than in a quieter, safer neighborhood.
There are actions you can take to earn discounts on your homeowners insurance. You may be able to bundle your homeowners and auto policies, or you might earn a discount by installing a burglar alarm or other safety features in your home. Ask your independent agent how you can save the most on your Indianapolis homeowners insurance coverage.
You should feel secure, comfortable and protected in your home. The contents of your home define who you are and make your life comfortable and pleasant. A member of the Trusted Choice network can help you ensure that your belongings are safe and can be replaced if a theft occurs, or your items are destroyed in a covered event.
If you have personal belongings of great value, you may also consider purchasing additional endorsements, or “riders” for these items. Talk with your independent agent to learn more about covering your personal items, and consider taking an inventory of everything in your home. Saving receipts, taking photographs of items, and even saving video footage of your things can help you recover after a theft or storm destroys your things.
Trusted Choice member agents deal with Indianapolis home insurance every day. These insurance professionals can sit down with you and go over your specific risks and needs to find a policy that will work best for you. Using their knowledge and experience, you can be sure that you are getting the right coverage for yourself and your family.
While you want to make sure you are adequately covered, don’t pay too much and don’t pay for cover that you don’t need. Your Trusted Choice independent agent will find Indianapolis home insurance quotes that will fit your needs and budget. Contact an agent today to ensure your investment in your home is safe for years to come.