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Indiana Homeowners Insurance Quotes

At we know how frustrating it can be to waste hours of your time looking for Indiana homeowners insurance quotes. That's why we decided to make it easy! With, you get to work one-on-one with a licensed, unbiased agent who is able to give you multiple quotes from top carriers. When you fill out the quote form above an agent will help you find a policy with top notch coverage at a competitive rate.

Our most recent Indiana homeowners insurance quotes!

Want an idea of how much you could save on Indiana home insurance premiums? Below are the details of the last five policies written in Indiana by agents. Don't forget that factors like square footage and location can affect the premium.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $1,943 $1,476 $776 $855 $564
Premium with Auto Discount$1,652†$1,255†$660†$727†$479†
Carrier Liberty Mutual Safeco Hartford Safeco Liberty Mutual
Zip 46032 46239 47119 47404 46613
Year Built 2005 1997 2011 2000 1882
Foundation type Basement Slab Basement Crawl Space Slab
Lot Size 14,810 Sq Ft 9,453 Sq Ft 33,106 Sq Ft N/A 6,396 Sq Ft
Square Feet 4,987 Sq Ft 1,452 Sq Ft 1,682 Sq Ft N/A 936 Sq Ft
Bedrooms 4 N/A 3 N/A 2
Bathrooms 4.5 1.0 1.5 N/A 1.0

Primary Heat Source Central Gas Central Electric Central Electric Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Why keep up with the Joneses when you could be the Joneses? Get your own low premium today. Just enter your ZIP code in the form above or call us directly at 1-877-919-2740 to get Indiana homeowners insurance quotes customized just for you by one of our friendly agents.

Home insurance rates in Indiana

Homeowners in Indiana are paying around $813.00 for home insurance as of March of 2014. Rates have increased since February when Indiana homeowners insurance premiums were approximately $780.00. The rate of $813/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy.

Although average Indiana homeowners insurance rates can decrease as well as increase, that doesn't mean you shouldn't try to save more on your own home insurance premium. Make it point to shop annually for coverage and ask about discounts that may be available to you.

For example, homeowners can often save up to 20% by bundling their home and auto policies with one carrier or can save up to 10% by have a security alarm installed in their home. Here are some other common discounts you can ask about:

  • Claims-free discount
  • 55, retiree discount
  • Non-smoker discount
  • New home discount

Don't be afraid to ask about even more available price breaks.

Standard Indiana homeowners insurance coverage

  • Dwelling: Protects your home's structure against covered events such as fire, wind, and hail. Your dwelling coverage should be enough to replace your home in the event of a complete loss.
  • Other Structures: Covers structures on the property outside of your home from those events. The structures may include detached garages, sheds, fences, etc.
  • Loss of Use: In the event your home becomes partially or entirely uninhabitable due to a covered peril, your loss of use coverage would help pay for living expenses incurred while being displaced.
  • Contents: Standard Indiana homeowners insurance offers protections for the personal possessions inside your home such as electronics, furniture, clothing, jewelry, etc. You may need to purchase additional coverage if you own high value items because the standard coverage may not fully cover them.
  • Medical Payments: Helps pay medical bills if someone is hurt on your property and doesn't plan to sue you.
  • Personal Liability Protection: Provides financial protection in the event someone is injured on your property and sues you.

Keep in mind, standard Indiana homeowners insurance policies do not offer coverage for flood damage. Homeowners who need flood protection can purchase a separate policy through the National Flood Insurance Program. For homes located in flood plains, flood insurance is a necessity. For homes not located in flood plains, flood insurance should still be considered. Weather can be unexpected and homeowners in the Northeast whose homes were damaged by the rising waters from Superstorm Sandy can attest to that. Learn more about the National Flood Insurance Program and check here to see if your home is located in a flood plain.

Review your home insurance policy and see what perils are covered and which are not. You may need to adjust your coverage in order to have full protection. Refer back to your policy and contact your agent if you ever have questions regarding your coverage.

For more information on insurance in Indiana, visit the Indiana Department of Insurance website.