Indiana Homeowners Insurance Quotes
At HomeownersInsurance.com 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! Whether you live in Indianapolis, Bloomington, or another city in the Hoosier state, we’ll find you the home protection you deserve. With HomeownersInsurance.com, 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 HomeownersInsurance.com agents. Don't forget that factors like square footage and location can affect the premium.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$898†||$556†||$1,098†||$1,145†||$638†|
|Lot Size||10,640 Sq Ft||7,405 Sq Ft||10,379 Sq Ft||491,443,904 Sq Ft||13,446 Sq Ft|
|Square Feet||2,664 Sq Ft||1,058 Sq Ft||1,280 Sq Ft||2,329 Sq Ft||1,324 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Gas||Central Electric|
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 1-877-234-0731 to get Indiana homeowners insurance quotes customized just for you by one of our friendly agents.
Home insurance premiums in Indiana
Homeowners in Indiana are paying around $934.00 for home insurance as of February of 2015. Premiums have increased since January when Indiana homeowners insurance premiums were approximately $929.00. The value of $934/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. This part of your policy helps protect you from covered perils such as fire and wind as well as from theft; the burglary rate in Indianapolis exceeds the national average, according to a 2012 FBI crime report.
- 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.
Whether you live in Indianapolis or another part of the state, keep in mind that 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.
|Nashville||New Albany||Newburgh||Notre Dame|
|Santa Claus||Schererville||Seymour||South Bend|