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!
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What Does Homeowners Insurance in Indiana Cover?
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
☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.
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 extend to items kept on the property, such as a lawnmower.
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
☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.
Coverage F – Medical Payments
☘ Similar to personal liability, medical payments to others (also called MedPay) 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.
What are the common covered perils
Which Perils Are Most Commonly 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.
☘ Damage caused by vehicles
☘ Damage caused by aircraft
☘ Rioting or civil disturbances
☘ Smoke damage
☘ Fire or lightning
☘ Windstorm or hail, such as a hurricane or tornado
☘ Volcanic eruptions
☘ Frozen pipes
☘ Falling objects
☘ Damage caused by heating, air conditioning or plumbing
☘ Damage due to snow, ice or sleet
☘ Damage from water heater, including cracks, burns or tears
☘ 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!
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