Protect Your Indianapolis Home
Compare rates from multiple carriers. Request a quote for your personalized rate.
Coverage Estimator
Get an instant estimate based on your home value
Estimated Monthly Premium
For illustration only. Actual rates vary by carrier.
$67/mo
What's Covered
Standard home insurance coverage explained
Dwelling Coverage
Repairs or rebuilds your home structure
Other Structures
Detached garages, sheds, fences
Personal Property
Furniture, electronics, clothing
Liability Protection
Legal & medical costs if someone is injured
Loss of Use
Living expenses if home is uninhabitable
Water Backup
Sewer and drain backup damage
Optional add-on
Indianapolis Home Discounts
Save more when you bundle and protect your home
Up to 25%
Bundle & Save
Combine auto + home
Up to 15%
New Home
Home built within 10 years
Up to 10%
Security System
Monitored alarm system
Up to 20%
Claims-Free
No claims in 5+ years
Request a Quote
Frequently Asked Questions
Everything you need to know about home insurance in Indianapolis
What is dwelling coverage?
Dwelling coverage pays to repair or rebuild your home if it's damaged by covered perils like fire, wind, hail, or lightning. It covers the structure itself, including attached structures like your garage.
Does home insurance cover flooding in Indianapolis?
Standard home insurance does NOT cover flood damage. If you're in a flood-prone area of Indianapolis (near White River, Fall Creek, or Eagle Creek), you'll need separate flood insurance through FEMA's NFIP program.
What's the average home insurance cost in Indianapolis?
Indianapolis home insurance costs vary by home value, age, construction type, and claims history. Contact us for a personalized quote.
Is tornado damage covered?
Yes! Wind and hail damage from tornadoes is covered under standard home insurance. However, check your wind/hail deductible - in Indiana, it may be separate from your standard deductible.
How much coverage do I need?
Your dwelling coverage should equal your home's replacement cost (not market value). This is what it would cost to completely rebuild your home at current construction prices.
Protect Your Indianapolis Home Today
Get a free quote in minutes. We compare rates from multiple top carriers.
Request a Quote