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Indiana Home Insurance

Indiana home insurance protects your home with much needed property damage coverage. Even the most basic policy, known as HO-2, covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. If you are concerned about lawsuits stemming from an accident on you property, then the broader HO-3 package provides bodily injury coverage, as well as additional property damage coverage. The majority of home mortgage lenders require buyers to have Indiana homeowners insurance for the duration of their loan.

Indiana Home Insurance Rates

In regions of Indiana, tornados can be common. For this reason, those areas tend to have higher premium rates. A homeowner must be aware of the perils in their area. For example, an area close to a river or stream may be likely to flood. A normal Indiana home insurance policy would not cover any flood damage. Homeowners must purchase flood insurance separate from their Indiana home owners insurance.


Also, some problems with mold have developed throughout the state. In the event you home grows mold, it is likely the Indiana home insurance does not cover the cost for removal. If the mold was a result of structural damage to pipes through a lightning strike or a wind storm, then the cost would be covered, but not if the cause was maintenance negligence. Every homeowner must review their “exclusions” portion of their Indiana home policy to see what is or is not covered.

Saving Money

Everyone wants to save money on their Indiana home insurance. We have a few ways to improve your chances of shaving dollars off your Indiana home insurance premium. First off, you can raise your deductible. By increasing your amount from $500 to $1000, you can save anywhere from $200 to a $800 annually. If you do not have a history of making claims, then this solution may be right for you. Another way for you to reduce your premium would be to add security to your home. This would require installing deadbolts, a security system, and some smoke detectors. The majority of insurance companies provide discounts when you increase the security and safety of your home. In addition, you can receive a discount for purchasing more than one policy from an insurance provider. These are some way for you to reduce your Indiana home insurance premium. And, of course, it is always good to shop around.

Indiana Department of Insurance

Indiana Department of Insurance
Consumer Service
311 West Washington St.
Indianapolis, IN 46204-2787

Phone: (317) 232-2395

For other Indiana Insurance Resources, See:

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