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Indiana Home Insurance - What's Happening

If you're looking for Indiana homeowners insurance, you might find coverage easier to navigate than in other regions. For average home size, property safety and home security, few states ranks as well as Indiana.

For Q2 of 2014, Indiana homeowners insurance premiums stood at about $849, about $20 more than the national average. Why? It's location plays a factor. Even though the state isn't part of Tornado Alley, frequent tornadoes can cause damage there. It's the eighth-most tornado-prone state in the union.

Get started today, either by calling the number above or by entering your information in the form above. Our licensed agents will get you a free quote. We'll also search out any discounts that might apply to your premiums. Purchasing the right Indiana home insurance will give you protection for your biggest investment and peace of mind for your family's future.

Curious about car insurance? Click here to learn more about auto insurance in Indiana.


Indiana Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


A

Home Grade

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A

Property Grade

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A

Bonus Grade

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A+

Overall Grade

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Home (Grades related to the house itself)

Homes are a bit smaller than the national average in Indiana. Homeowners insurance cost is subject to factors such as home size and average replacement cost. The presence of sump pumps, designed to reduce the chance of basement flooding, also has an influence.

B

Average year built

Homes nationwide are 9 years younger than they average in Indiana. Home insurance quotes can rise for older homes for many reasons, such as building materials and maintenance issues.

A

Average home size

Older homes tend to be bigger, but not in this case. Homes are about 100 square feet below national averages in Indiana. Less is often more for insurance purposes.

A

Average replacement cost

Indiana's is $260,254, nearly $2,000 less than the U.S. average. This means it'll cost less in Indiana to rebuild your home the way it is today, if it's destroyed by a covered event.

A

% of homes with sump pump

A fourth of Indiana homes have this safeguard against flooding in a home's basement.

Property (Factors related to the property and location)

Items on a homeowners' property are also subject to insurance coverage. These are covered under Other Structures coverage, and include fences, detached garages and sheds. Indiana's average structure cost is consistent with the national average.

Swimming pools and storage of all-terrain vehicles and snowmobiles can impact insurance costs because they increase a homeowner's liability. Indiana also rated well on these factors to secure another A grade.

Bonus (Other factors that influence your home insurance premiums)

A+

% of homes with fire extinguishers

Fire extinguishers are an affordable way to combat loss and injury as a result of house fires. Indiana homes (97%) have nearly 100% compliance for them.

A

% of homes with dead bolt locks on exterior doors

You can check with local law enforcement to assess your home's lock security. A deadbolt is a proven theft deterrent and almost all Indiana homes have them.

A

% of homes with smoke detectors

Smoke detectors are a crucial safety tool. In Indiana, 99% of homes are armed with them.

B

% of homes with security alarms

Indiana (12%) falls a bit behind the national pace of 1 in 5 homes with security systems.

Overall Grade - A+ (tough to beat)

Indiana homes have many of the measurements for lower risk that insurance carriers find favorable. Your state's straight A scores tell the story.

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