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Essential

Why Home Insurance Matters in Indiana

While Indiana avoids hurricanes or coastal storms, homeowners still encounter significant risks, including:

  • Tornadoes & Severe Storms: Indiana is prone to strong storms and tornadoes, which can cause extensive wind and hail damage.
  • Flooding: Heavy rains can lead to localized flooding, especially in areas near rivers, lakes and low-lying regions.
  • Winter Weather: Snow, freezing rain and ice storms can damage roofs, gutters and utilities.
  • Earthquakes: Some regions of Indiana, particularly in the southwestern part of the state, are at risk for seismic activity.

Coverage

What Does Home Insurance Cover in Indiana?

A standard homeowners insurance policy in Indiana typically includes:

  • Dwelling Coverage: Protects the structure of your home from perils such as severe storms, fire and vandalism.
  • Personal Property Coverage: Covers belongings like furniture, appliances and electronics against theft or damage.
  • Liability Protection: Helps cover costs if someone is injured on your property or in cases of accidental property damage.
  • Additional Living Expenses (ALE): Covers temporary housing and living costs if your home becomes uninhabitable due to a covered loss.

Options

Additional Coverage Options for Indiana Homeowners

Indiana’s diverse climate and environmental risks mean that homeowners should consider adding:

  • Flood Insurance: Standard policies do not cover flood damage, so a National Flood Insurance Program (NFIP) or private flood policy is recommended for residents in flood-prone areas.
  • Extended Replacement Cost: Covers rebuilding costs if the price to repair or rebuild exceeds your policy limits.
  • Water Backup Coverage: Protects against damage caused by sewer or sump pump backups, which are common in areas with heavy rainfall.
  • Earthquake Coverage: While rare, earthquake coverage can be important for those in southwestern Indiana.

Start Protecting Your Home Today

Whether you’re purchasing a new home or looking to save on your current policy, Goosehead Insurance is here to help you find the best home insurance in Indiana. Protect your property and enjoy peace of mind by getting a free quote today with Goosehead Insurance today.

Call us now or click below to compare policies and secure the best protection for your Indiana home.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Indiana?

Home insurance rates in Indiana vary based on factors like:

  • Location: Homes in flood zones or areas prone to severe storms may have higher premiums.
  • Home Construction & Age: Newly built homes with modern building materials and methods may qualify for lower rates.
  • Claims History: If you’ve filed claims in the past, your premium may be higher.
  • Deductible: Your deductible will influence how much you pay for your monthly rate.

On average, homeowners in Indiana roughly pay between $1,000 to $2,000 annually for home insurance. With Goosehead Insurance, you can compare providers to secure the most competitive rate tailored to your needs.

Save

Ways to Save on Home Insurance in Indiana

Indiana homeowners can reduce their insurance costs by:

  • Bundling Home & Auto Insurance: Insurers often provide discounts when combining policies.
  • Enhancing Home Security: Installing alarm systems, cameras or deadbolts can lead to lower premiums.
  • Upgrading Roof & Windows: Weather-resistant materials like impact-resistant windows and reinforced roofs may qualify for discounts.
  • Increasing Your Deductible: Opting for a higher deductible reduces monthly premiums.

Choose Goosehead

Why Choose Goosehead Insurance for Your Indiana Home Insurance Policy?

At Goosehead Insurance, we simplify the process of finding the right home insurance policy by offering a range of coverage options from top-rated carriers. Here’s why Indiana homeowners trust us:

  • Multiple Carrier Comparisons: We shop around to find the best coverage and rates for your needs.
  • Expert Agents: Our knowledgeable agents provide personalized recommendations for your home and budget.
  • Seamless Experience: Our process is fast, easy and stress-free.
  • Quality Service: Our agents break down information so that it’s easy to understand and answer questions with high-quality service.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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