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White County, IN Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in White County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Indiana.

For White County IN homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

White County Home Insurance Rates

White County, IN homeowners are now averaging around $85.08 per month for a basic homeowners policy. For Indiana residents, this amounts to $1021 per year for a standard home policy for homeowners living in White County, IN. In comparison, the national average for home insurance premiums is around 1,249 per year. Indiana is now ranked #35 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in White County, IN so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all White County, IN residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in White County? Simply enter your zip code to get your Indiana homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

White County, IN Housing Demographics

With 24,643 residents living within the White County area there are over 12,970 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,849 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in White County.

DemographicValues
Total Occupied Households9,741
Family Households (families)6,849
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units12,970

White County, IN Home Insurance Average Premiums

Local White, IN homeowners insurance quotes comparison

$833 /yr.

Indiana's Average Home Insurance Rates Overall

For the state of Indiana, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 35 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$636 /yr.
Current Average Cost:$833 /yr.
Maximum Range:$1030 /yr.

Indiana Homeowners Insurance News & Information

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

Discounts For Homeowners in White County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Indiana homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in White County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in White County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your White County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

White County Housing & Real Estate Data

Details:Statistics
Total Housing Units12970
Occupied Housing Units9741
Vacant Housing Units3229
Vacant Housing Units for Rent286
Vacant Housing Units Rented Not Occupied28
Vacant Housing Units For Sale265
Vacant Housing Units Sold Not Occupied43
Vacant Housing Units For Seasonal Occasional Use2237
Vacant Housing Units All Other Vacants370
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units9741
Housing Tenure Occupied Units Owner Occupied7431
Housing Tenure Occupied Units Owner Occupied Population18603
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied2310
Housing Tenure Occupied Units Renter Occupied Population5733
Housing Tenure Occupied Units Renter Occupied Average Household Size2