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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!

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