Indiana Homeowners Insurance

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  • Indiana Homeowners Insurance

Getting homeowners insurance in Indiana shouldn’t be a hassle. And with Clovered, it isn’t. We’ve teamed up with some of the best homeowners insurance companies in Indiana so we can provide you with the best estimate of price at the amount of coverage you need.

Whether you live in Lafayette or Fort Wayne, Indianapolis or Evansville, or somewhere else in the Hoosier State, our policies are carefully crafted to meet your coverage needs. Our goal is to sufficiently protect your house, all of your personal belongings and your financial wellbeing — plus be able to provide you cash payments if your home is damaged or destroyed by a covered peril and you need to move.

That’s why our policies protect you from some of the biggest, most costly perils the state throws your way, including tornadoes, snowstorms, torrential downpours and much, much more. If you want some peace of mind — and don’t want to dip into your savings to repair your home if it’s damaged or destroyed — getting a homeowners insurance estimate in Indiana with Clovered is your best bet.

What Does Homeowners Insurance in Indiana Cover?

Homeowners insurance in Indiana covers the structure of your house, your personal belongings and much more, including unexpected incidents that could occur on your property. While you get to choose the amount of coverage you enroll in, the following six coverages come standard in every homeowners insurance policy.

Coverage A: Dwelling

This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B: Other Structures

Structures on your property that aren’t connected to your househouse fall under this coverage. It includes things like fences, sheds and even satellite dishes. Coverage for these structures is typically up to 10% of the policy’s dwelling maximum.

Coverage C: Personal Belongings

Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can pay to replace things like furniture, electronics, clothes and even items kept on the property, like lawnmowers.

Coverage D: Loss of Use

Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E: Personal Liability

This coverage can provide financial protection for accidents that occur on the policyholder’s property, damage to other people’s property and dog bites. It can help pay for medical expenses, legal fees and property damage if the policyholder is deemed liable.

Coverage F: Medical Payments

Similar to personal liability, medical payments to others covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.

Which Perils Are Covered by Homeowners Insurance in Indiana?

From icy winters in South Bend to tornadoes in Evansville and torrential rain in Indianapolis, the Hoosier State faces its fair share of perils. Luckily, homeowners insurance from Clovered has your back. Check out all these perils that are covered by your Indiana homeowners insurance policy.

10 Named Perils Under HO-1:

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions

16 Named Perils Under HO-2:

  • (All 10 named perils under HO-1, plus the following)

  1. Frozen pipes
  2. Falling objects
  3. Damage caused by heating, air conditioning or plumbing
  4. Damage due to snow, ice or sleet
  5. Damage from water heater, including cracks, burns or tears
  6. Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in Indiana?

For about $200,000 worth of dwelling coverage, $100,000 in liability protection and around $30,000 for all your personal belongings, the homeowners insurance in Indiana average cost is about $1,200 per year.

The Hoosier State falls in line with the average cost in the U.S., which is also about $1,200 per year, so you know you’re getting a good deal. But just because that’s the average, doesn’t mean you have to pay that much.

Your premium price relies heavily on a few factors, including your home’s value, your maximum coverage amounts and your claims history. Check in with us at Clovered to get a few different quotes to find the cheapest and best homeowners insurance in Indiana.

  • Average Cost of Homeowners Insurance in Indiana: $1,200 per year

How to Get the Best Homeowners Insurance in Indiana

Gone are the days of calling company after company or going from site to site to get the best homeowners insurance prices. With Clovered, we made it simple. We partnered with some of the best homeowners insurance companies in Indiana to congregate the state’s great prices in a single place.

Simply type your address into our multi-rater quoting tool, we’ll work some magic behind the scenes and then you’ll have access to the best homeowners insurance in Indiana. Since our policies can be bound entirely online, your policy goes into effect almost immediately.

Now you can enjoy your favorite things in life with some added peace of mind knowing your home, belongings, family and financial future are protected.

It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.