Enter your ZIP code:

Indiana Homeowners Insurance

Your home is one of the biggest investments you will make in your lifetime and you will want to protect it accordingly.

InsureMe makes the task of finding affordable Indiana homeowner's insurance easy. By using our free referral service, we will provide you with up to five quotes from competing insurance companies to give you the most bang for your buck.


Indiana Homeowners Insurance: Questions Answered

What is homeowner's insurance?

Your Indiana homeowner's insurance policy will protect you from financial losses caused by disasters such as those caused by storm, fire and theft. A standard policy protects your home and the items you keep in it.

Can I own a home without Indiana homeowner's insurance?

From a legal standpoint, you are not obligated to purchase an Indiana homeowner's insurance policy. However, if you've taken out a loan to finance the purchase of your home, your lender will most likely require you to buy homeowner's insurance. This protects their investment in the event of tornado, fire or theft.

Once your mortgage is paid off you will not be required to keep your Indiana homeowner's insurance, but canceling your policy puts your home at great risk in the event of a disaster.

What types of Indiana homeowner's insurance are available to me?

There are four basic types of Indiana homeowner's insurance:

  • HO-1: This basic policy offers protects your dwelling and personal property from 11 perils, some of which include fire and lightning; windstorm or hail; riot or civil misconduct and damage caused by vehicle or aircraft.
  • HO-2: This is a basic "plus" policy which offers protection from the basic 11 perils plus six more. Some of these include weight of snow or ice; falling objects; electrical damage and water damage from home appliances.
  • HO-3: This is an extended policy for special homeowner items. It provides protection from 17 perils not cited in your policy with the exception of earthquake, war and nuclear accident.
  • HO-8: This is a common policy for older homes and offers protection from 11 perils. An HO-8 policy differs from a basic policy because it covers repairs or actual cash values, excluding rebuilding costs. If you own a home with special features (such as historic or architectural), you may want to consider this plan as it adds to your home's replacement cost.

Will my Indiana homeowner's insurance protect me against flood damage?

No. Your Indiana homeowner's insurance policy will not cover flood damage. You will need to purchase flood insurance separately through your agent. You can also contact the National Flood Insurance Program with questions at 1-800-427-4661.

How much Indiana homeowner's insurance should I purchase?

The Indiana Department of Insurance recommends that your home should be insured for at least 80% of its replacement value. Knowing your replacement value is a vital part of protecting your home but can be difficult to do on your own. If you aren't sure, play it safe and get an appraisal. It will be worth it!

How can I save on my Indiana homeowner's insurance?

The Insurance Information Institute advises the following:

  • Increase your deductible. 
    Raising your deductible will, in effect, lower your premiums. Most insurance companies recommend a deductible of $500. If you can afford to raise that to $1000 you could save yourself up to 25 percent.
  • Pledge your loyalty.
    You may save 5 to15 percent by purchasing two or more policies from your agent (such as homeowner's and auto). You may also receive additional discounts for staying with your Indiana insurance company for an extended amount of time.
  • Safety first.
    Installing an anti-theft system or extra smoke detectors will beef up security in your home and may cut your premium by up to 20 percent. 
  • Make friends with your policy.
    Review your policy every year and see what items you may need to add to your policy — or remove.
  • Shop around.
    This is the number one way to save on your Indiana homeowner's insurance! Use InsureMe's free referral service to find up to five quotes in your area. You will also want to research your prospective insurance company by examining factors such as company stability and consumer satisfaction. You can do this free of charge through companies like A.M. Best.

Now that you are armed with information it's time to get started!

Simply enter your information to the left and let InsureMe provide you with up to five free quotes for affordable Indiana homeowner's insurance!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6532
54 Wisconsin Home Insurance youcomparequotes 6815
53 West Virginia Homeowners Insurance youcomparequotes 6402
52 Washington, D.C. Home Insurance youcomparequotes 8036
51 Washington Home Insurance youcomparequotes 6122
50 Virginia Home Insurance youcomparequotes 6344
49 Vermont Homeowners Insurance youcomparequotes 6763
48 Utah Homeowners Insurance youcomparequotes 6102
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7084
46 Texas Home Insurance Quotes youcomparequotes 6573
45 Tennessee Homeowners Insurance youcomparequotes 8192
44 South Dakota Homeowners Insurance youcomparequotes 6829
43 South Carolina Homeowners Insurance youcomparequotes 6147
42 Rhode Island Homeowners Insurance youcomparequotes 6353
41 Pennsylvania Home Insurance Quotes youcomparequotes 6545
40 Oregon Home Insurance Quotes youcomparequotes 12682
39 Oklahoma Homeowners Insurance youcomparequotes 6573
38 Ohio Home Insurance Quotes youcomparequotes 6852
37 North Dakota Homeowners Insurance youcomparequotes 6295
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10640
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6677
32 New Jersey Home Insurance youcomparequotes 6242
31 New Hampshire Home Insurance youcomparequotes 6321
30 Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6657
27 Missouri Home Insurance Quotes youcomparequotes 6337
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6681
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6717
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6543
18 Kansas Homeowners Insurance youcomparequotes 6770
17 Iowa Homeowners Insurance youcomparequotes 6225
» Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6387
13 Hawaii Home Insurance youcomparequotes 6392
12 Georgia Home Insurance youcomparequotes 6550
11 Florida’s Home Insurance Headache youcomparequotes 7742
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6373
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 6983
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6562
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6273
1 Alabama Homeowners Insurance youcomparequotes 6203
XE Login