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Indiana Homeowners Insurance Quotes

The "Hoosier State" or Indiana as we are more commonly known is a great place to live and raise a family. While we are internationally known for the famous Indianapolis 500 auto race, there is much more to this great Midwestern state.

Our capitol city, Indianapolis, is known for art galleries on Massachusetts Avenue and the hip bars and restaurants that line Broad Ripple but that is just the tip of the iceberg of what Indiana has to offer. We have dozens of museums, zoos, and state parks that are great for a family getaway.

If the outdoors is more your speed, check out Brown County for zip lining, camping, mountain biking or hitting the trail on an ATV. No matter what your passion is, Indiana has you covered.

Indiana Facts

When it comes to population, Indiana is the perfect size, not too big and not too small. It ranks 18th in the country with 6,619,680 people calling the Hoosier State home.

On average, there are three people per house in Indiana with 3,695 households per zip code. Household income ranks 31st in the country with an average household income of $46,438. Houses are a bargain in Indiana with the median home price coming in at $115,100, which is a fairly impressive 3.3 percent increase over the past year. Zillow predicts that prices will jump up another 3.3 percent over the next year so now is a great time to buy.

Median prices can vary wildly depending on where you settle in Indiana. Home prices in Valparaiso average $184,700 while prices in South Bend are a steal at $62,100.

Homeowners Insurance in Indiana

Insuring a home in Indiana is a pretty good deal when compared to the rest of the country. According to the NAIC, the yearly cost for a homeowners policy is $840 compared to the national average of $952.

Raising your deductible, shopping your coverage and asking for all the discounts you qualify for are great ways to lower your premium. According to industry experts, the number one way to drop your insurance costs is to shop your policy. We can help you find the best deal by sending all of your details to our national insurance partners.

When shopping for coverage, always ask for every discount that you are entitled to receive. Insurers offer discounts for everything from bundling your coverages to security systems, so make sure you are getting all possible discounts.

Factors to Consider in Indiana

When it comes to crime, Indiana ranks as average. The Hoosier State has 3.57 violent crimes per 1,000 people while the national median is 3.8. Crime rates can quickly push up insurance rates so make sure you check out crime rates in any neighborhood you are considering before signing on the dotted line.

Indianapolis is an exception to the rule with crime rates that easily eclipse the national medians. Violent crime rates hit 12.46 per 1,000 residents in our capitol city and property crime rates are 53.82 per 1,000 residents compared to a national average of 27.3.

Severe weather can also be a factor. Tornadoes are fairly common in Indiana. On average 22 tornadoes a year hit Indiana. Severe weather such as tornadoes can have an impact on insurance rates so if your home is located in a tornado prone area, expect your premium to take a hit. Consider adding storm shutters or a sprinkler system, which can result in a big discount.

When it's time to move into your new home in Indianapolis, South Bend, Fort Wayne, Bloomington, Highland or one of the many other lovely cities in our state don't forget a homeowners policy. We can make the process extremely easy for you, simply fill out our online quoting application and we will shop and compare rates from the top 12 carriers with the most competitive rates. Thousands of homeowners trust our service and are happy with the service we offer. Get your Indiana home insurance quotes today!

Average Homeowners Insurance Premiums in Indiana

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Indiana homeowners are paying on average. Did you know that the average homeowners insurance premium in Indiana is $1021? Indiana is now ranked 35 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Indiana is 22.12% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1021 (3.9%)$ 8535
2019$983 (-4.6%)$ 8236
2018$1030 (2.96%)$ 8633
2017$1000 (-0.3%)$ 8333
2016$1003 (2.01%)$ 8431

When we combine the state averages over the last decade, the Indiana overall average is estimated to be around $943.53. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Indiana current state rank compare to the rest of the country is #35. Consider shopping your Indiana home insurance with us so we can help you save up to 40% or more on your policy.

Indiana Homeowners Insurance News & Information

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 30th November, 2023

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Did you know? Your Home Insurance Doesn’t Cover… Posted on Wednesday 29th November, 2023

    While homeowners insurance covers a variety of perils and protects your home and personal possessions, it does come with a number of exclusions and coverage gaps that can result in you having to cover the cost of certain damage out of pocket.  Let’s have a quick look at what your homeowners policy does and doesn’t […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • What Is the 80/20 Rule In Homeowners Insurance? Posted on Wednesday 8th November, 2023

    If you are purchasing a home, your lender will require that you carry homeowners insurance to protect their investment in your home. Homeowners coverage will help cover the cost of repairing or replacing your home if it is damaged or destroyed by a covered peril.  Covered perils can include items such as a hurricane or […]

Indiana Housing & Real Estate Data

Total Housing Units2795541
Occupied Housing Units2502154
Vacant Housing Units293387
Vacant Housing Units for Rent93029
Vacant Housing Units Rented Not Occupied3859
Vacant Housing Units For Sale46410
Vacant Housing Units Sold Not Occupied10862
Vacant Housing Units For Seasonal Occasional Use45571
Vacant Housing Units All Other Vacants93656
Housing Units Homeowner Vacancy Rate Percent2.6
Housing Units Rental Vacancy Rate Percent10.9
Housing Tenure Occupied Units2502154
Housing Tenure Occupied Units Owner Occupied1747975
Housing Tenure Occupied Units Owner Occupied Population4543125
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.6
Housing Tenure Occupied Units Renter Occupied754179
Housing Tenure Occupied Units Renter Occupied Population1753754
Housing Tenure Occupied Units Renter Occupied Average Household Size2.33

Understanding Indiana Homeowners Insurance

When shopping for Indiana homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Indiana renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Indiana, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Indiana rates and coverage options.