The days of shopping for Indiana homeowners insurance with multiple agents are over. Compare multiple quotes with our licensed home insurance experts and find the best premium and the most comprehensive coverage available in Indiana. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
Homeowners in Indiana are paying around $781.00 for home insurance as of September of 2011. Rates have increased since August when Indiana homeowners insurance premiums were approximately $757.00. The rate of $781/year includes standard coverage and not flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Indiana |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $781.00 | $757.00 | $740.00 | $740.00 | $741.00 |
Since rates have increased in recent months, it's important to continue to save money and find great coverage on your Indiana homeowners insurance. Be sure to review your policy with a HomeInsurance.com agent regularly to ensure that you are qualifying for all available discounts. Also, check your policy to be sure you are still getting the coverage you need for your home and family.
Standard Indiana Home Insurance Coverages
| A | Dwelling: A standard Indiana homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Indiana home insurance policy |
| C | Contents/Personal Property: A Indiana home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Indiana home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Indiana, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Indiana MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Indiana Homeowners Insurance News
- Experts say many people fail to review home insurance policies regularlyMonday, January 30, 2012
- Indiana officials preparing for multi-state earthquake drillWednesday, January 11, 2012
- Midwestern tornadoes now becoming widespread Thursday, May 26, 2011
- More tornadoes hit Midwest, South Thursday, April 21, 2011
- Rare earthquake rattles Central IndianaThursday, December 30, 2010
Other Indiana Homeowners Resources:
- Visit our RateReport to see how Indiana home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in Indiana? Check out our list of available home insurance discounts.
Search for home insurance in your Indiana county:
- Adams
- Allen
- Bartholomew
- Benton
- Blackford
- Boone
- Brown
- Carroll
- Cass
- Clark
- Clay
- Clinton
- Crawford
- Daviess
- De Kalb
- Dearborn
- Decatur
- Delaware
- Dubois
- Elkhart
- Fayette
- Floyd
- Fountain
- Franklin
- Fulton
- Gibson
- Grant
- Greene
- Hamilton
- Hancock
- Harrison
- Hendricks
- Henry
- Howard
- Huntington
- Jackson
- Jasper
- Jay
- Jefferson
- Jennings
- Johnson
- Knox
- Kosciusko
- La Porte
- Lagrange
- Lake
- Lawrence
- Madison
- Marion
- Marshall
- Martin
- Miami
- Monroe
- Montgomery
- Morgan
- Newton
- Noble
- Ohio
- Orange
- Owen
- Parke
- Perry
- Pike
- Porter
- Posey
- Pulaski
- Putnam
- Randolph
- Ripley
- Rush
- Scott
- Shelby
- Spencer
- St Joseph
- Starke
- Steuben
- Sullivan
- Switzerland
- Tippecanoe
- Tipton
- Union
- Vanderburgh
- Vermillion
- Vigo
- Wabash
- Warren
- Warrick
- Washington
- Wayne
- Wells
- White
- Whitley
Customer Reviews in Indiana
For additional information about specific insurance laws in Indiana, visit the Indiana Department of Insurance website.

