Indiana Homeowners Insurance

Finding homeowners insurance shouldn't be confusing. Compare Indiana rates by city and company below.

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How to find cheap homeowners insurance in Indiana


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy defends your home and your items in the event of a number of circumstances, including fire, theft, vandalism, or wind damage.

Unlike car insurance, homeowners insurance isn't priced specifically by state. That said, major differences exist in homeowners insurance costs on a state-by-state basis. Home insurance rates in states may vary depending on the number and value of homeowners claims filed statewide, and depend on the value of the dwelling and belongings being insured.

The easiest way to find cheap homeowners insurance in Indiana is to shop around and compare rates from a variety of insurance companies. Learn more about home insurance rates in Indiana by referencing the below tables. Individual rates may vary depending on coverage options.


Indiana home insurance:
  1. Homeowners rates by company
  2. Costs by city
  3. Insurance bundling discounts
  4. FAQs

Homeowners insurance rates in Indiana by insurer

Rates for home insurance in Indiana vary depending on the insurance company you choose. Cincinnati Insurance provides the cheapest homeowners insurance in Indiana — $932 each year. This compares favorably to the state average cost of $1,395, offering a $463 discount on rates typical to the state.

Start your search for cheap home insurance by viewing average rates from top Indiana home insurance carriers, listed below.


HOME INSURANCE RATES IN INDIANA: BY COMPANY
CarrierAverage Annual Rate in Indiana
Cincinnati Insurance$931.89
Indiana Farm Bureau$1,038.13
Farmers$1,158.02
Allstate$1,167.87
Safeco$1,216.66

Indiana home insurance costs by city

Not all Indiana cities have the same home insurance rates. Policy pricing may depend on city-specific variables, including the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Indiana is available in Elkhart. The average home insurance policy in Elkhart costs $1,186 annually — $209 less than the average policy in other Indiana cities. The below table shows the best places to live in Indiana if you’re looking for cheap homeowners insurance.


AFFORDABLE HOME INSURANCE BY CITY IN INDIANA
CityAverage 12-Month Home Insurance Rate
Elkhart$1,185.78
Fort Wayne$1,195.00
Lafayette$1,199.67
Mishawaka$1,233.06
Kokomo$1,268.28

Save by bundling home and auto insurance in Indiana

If you're looking for savings, consider purchasing your homeowners and car insurance policies from the same company. A home and car insurance bundle in Indiana can save you a substantial sum each month on your auto insurance policy. Bundling home and auto policies in Indiana may generate average annual savings of $147.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN INDIANA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,136.00$989.00$147.0015%

You can save money on insurance by bundling your home and auto policies. Compare rates today!


Looking for info on home insurance in a specific city? Check out our analysis of populous Indiana cities:

  1. Fort Wayne
  2. Indianapolis

Indiana homeowners insurance FAQs


Does GEICO offer home insurance in Indiana?

GEICo currently does offer home insurance in Indiana via a subsidiary.

Will homeowners insurance cover a pitbull in Indiana?

This will vary by company. Some will not insure your dog purely because of the risk they associate with its breed. Others will limit your liability coverage.

Is home insurance required in Indiana?

While state laws will not require home insurance, your mortgage or lender will require you to insure your home.



Compare rates from top car insurance companies.

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