Indiana Home Insurance Quotes
The days of shopping for Indiana home insurance and dealing with multiple agents are over. Compare multiple quotes from leading providers all with one phone call! Our licensed home insurance experts will help you 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.
Our team of licensed agents will shop for your Indiana home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple IN insurance providers.
Get the Best Home Insurance Rates in IN
Homeowners in Indiana are paying around $905.00 for home insurance as of April of 2013. Rates have decreased since March when Indiana homeowners insurance premiums were approximately $925.00. The rate of $905/year reflects standard coverage and does not include 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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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $905.00 | $925.00 | $931.00 | $944.00 | $942.00 |
Though rates have decreased 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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Indiana home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your IN policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Indiana are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Indiana by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $698 | $1,706 | $1,105 | $747 | $747 |
| Premium with Auto Discount | $698 | $1,706 | $939† | $747 | $747 |
| Carrier | Safeco | Liberty Mutual | Liberty Mutual | Foremost | Safeco |
| Zip | 46221 | 46229 | 46168 | 47130 | 46979 |
| Year Built | 1997 | 1962 | 1968 | 1977 | |
| Foundation type | Slab | Slab | Slab | Basement | |
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Gas | Central Gas | Central Electric |
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
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Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
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Tornado outbreak widens, claims 39 livesMonday, March 05, 2012
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Experts say many people fail to review home insurance policies regularlyMonday, January 30, 2012
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Indiana officials preparing for multi-state earthquake drillWednesday, January 11, 2012
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Midwestern tornadoes now becoming widespread Thursday, May 26, 2011
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
- Dearborn
- Decatur
- DeKalb
- 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.

