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Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy protects personal items in the event of fire, smoke damage, a wind storm, vandalism, theft, and a collection of other calamities.Unlike car insurance, renters insurance isn't priced based on state-level laws. Still, there are sometimes substantial variations in the price of renters insurance by state. Renters insurance rates by state may differ depending on the number and total value of renters insurance claims lodged in that state, and depend on the value of the belongings you're insuring.
Getting renters insurance in Indiana is less expensive than the nationwide average. The average annual cost of renters insurance in Indiana is $170, $14 less expensive than the average across America.
The best way to acquire a cheap renters insurance policy in Indiana is to get quotes from a variety of insurance companies. Get an idea of how much renters insurance costs in Indiana via the below breakdown. Individual rates may vary depending on coverage options and the value of the items insured.
Renters insurance prices in Indiana vary depending on which insurance company you choose. Safeco offers the best deal on renters insurance in Indiana, at just $108 per year. This compares favorably to the state's average cost of $170, providing a 37% price break on average statewide renters insurance costs.
Start looking for a renters policy by reviewing the most affordable Indiana insurance companies, listed below.
|Carrier||Average Yearly Rate in Indiana|
|Indiana Farm Bureau||$130.76|
Renters insurance rates in Indiana vary depending on the city. Policies are often priced on local variables such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.
The cheapest renters insurance in Indiana is available in Noblesville. A typical renters insurance term in Noblesville costs just $160 each year — $48 less than the average Indiana rate. The below cities have the most affordable renters insurance in Indiana.
|City||Average Annual Renters Insurance Rate|
If you're looking for savings, consider holding your car and renters policies with the same insurance company. A renters and auto insurance bundle in Indiana can lead to substantial savings on car insurance. Purchasing bundled policies in Indiana results in a yearly discount of $98.
|Avg. Annual Auto Insurance Rate (No Bundle)||Avg. Annual Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
A great way to save is to bundle your auto and renters insurance policies. Find a policy today!
Looking for info on renters insurance for a particular city? Check out our breakdown of the most populous cities in Indiana.
Indiana will not require renters insurance by state law but your landlord might require it. Regardless, it's generally a good idea to have in order to protect your belongings..
Because renters insurance is not state mandated, you have some flexibility with your coverage. Typically, a renters policy will include property coverage, liability insurance, additional living expenses, and medical payments to others.