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Indiana Home Insurance: Costs, Coverage and How to Save
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Indiana has been hit by 100 weather disasters since 1980, with most caused by severe storms like tornadoes, hail and straight-line winds. That makes severe weather one of the biggest factors shaping home insurance costs in the Hoosier State, and shopping smart for coverage more valuable than ever.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Indiana homeowners pay right now
Home insurance costs in Indiana depend on your home’s age, rebuild cost and location, along with your claims history and exposure to severe weather in your area. Homeowners in tornado-prone regions or flood-prone river valleys may pay more than those in lower-risk parts of the state.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage, regardless of those factors. Take a look at some recent examples below of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Indiana are shaped by severe storm exposure, your home’s age and rebuild costs, but comparing quotes can help you save.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5%-25%, depending on the insurer. But bundling your car insurance with the same home carrier isn’t always the cheapest option overall. Sometimes exploring different carrier combinations can cost less. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Indiana
There’s no single “best” home insurance company in Indiana. It depends on your home, your budget and what kind of coverage you need. For example, homeowners in Indianapolis may prioritize different coverage than those in rural southern Indiana, where tornado risk tends to be higher. And homeowners along the Wabash or White River may need to think about flood protection.
That said, our data shows some clear trends among Indiana homeowners. Here are the most popular home insurance companies Jerry customers pick:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Indiana homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process after a storm, and others look for strong digital tools or local agent support.
Also check: The best car insurance in Indiana
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Indiana
From tornado season to winter ice storms, where you live and what you own in Indiana plays a big role in what you pay. Here’s what stands out most and how to stay protected.
🌪️ Tornadoes and severe storms
Severe storms account for 72 of Indiana’s most costly weather disasters since 1980 according to NOAA, making tornadoes, high winds and straight-line winds the leading cause of property damage in the state. Central and southern Indiana are especially vulnerable during spring and summer months. Standard homeowners insurance typically covers wind and tornado damage, but some policies may include a separate wind and hail deductible that is higher than your standard deductible.
🪨 Hail damage
Hail is one of the most common causes of home insurance claims in Indiana. Roof damage from hail can lead to leaks, interior water damage and costly repairs. Insurers factor in your roof’s age, material and condition when setting your rate. Upgrading to impact-resistant roofing can reduce your risk and may qualify you for premium discounts.
🌊 Flooding and heavy rain
Indiana experienced 65 flooding or heavy rain events in 2024 alone, according to NOAA. Flash flooding is common during severe thunderstorms, and river flooding affects areas along the Wabash, White and Ohio rivers. Standard home insurance does not cover flood damage, so homeowners in low-lying areas should consider a separate flood policy through the National Flood Insurance Program or a private insurer.
❄️ Winter storms and ice
Indiana winters bring heavy snowfall, ice storms and freezing temperatures that can cause roof damage from ice dams, frozen and burst pipes, and downed trees. Northern Indiana, especially areas near Fort Wayne and the lake-effect snow belt, tends to see the harshest winter weather. Most standard policies cover ice and snow damage, but it’s worth reviewing your coverage limits before winter arrives.
🏠 Older homes and construction type
Indiana has a large stock of older homes, particularly in Indianapolis, Fort Wayne and smaller historic towns across the state. Homes with outdated electrical wiring, aging plumbing or older roofing materials can be more expensive to insure because of higher replacement costs and increased risk of claims. Upgrading key systems can help lower your premium.
Key takeaway: Indiana’s severe storm season, hail risk and winter weather all factor into your rate. Understanding what drives your premium helps you find the right coverage without overpaying.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Indiana homeowners, choosing the right coverage levels can save you money while making sure you’re protected when it counts.
Dwelling coverage is the core of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost as calculated by your insurer, not its market value. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Indiana homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance
Bundling your home policy with the cheapest car insurance in Indiana is one of the most effective ways to lower your premium, but it’s not the only one. Indiana homeowners have several options to reduce costs without cutting coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices Indiana’s storm and hail risks differently, which means the same home insurance policy can cost hundreds less depending on who you’re with. Comparing quotes side-by-side with Jerry is the fastest way to find a better rate for your home and budget.
Recent quotes
Why it matters: Two homeowners in Indiana with similar homes can pay very different rates depending on the insurer. Jerry shows you quotes side-by-side so you can find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying in full to getting security system credits, most homeowners qualify for at least a few discounts, and stacking them could add up to some serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Indiana home insurance discounts:
💨 Wind mitigation discount
In storm-heavy states like Indiana, roof upgrades, storm shutters and reinforced connections can earn significant credits. Impact-resistant roofing is especially valuable given how common hail damage is across the state.
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Newer homes are less likely to have costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company.
🌟 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%. In a state where storm damage claims are common, maintaining a clean record can make a real difference.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. Given Indiana’s older housing stock, this discount can be especially valuable.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But still, it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and wind mitigation to claims-free credits. But insurers don’t always apply them automatically. However, Jerry can help you find all discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible, the amount you pay out of pocket before insurance kicks in, has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
Here’s how to find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible. Keep in mind that some Indiana policies include a separate wind and hail deductible, so review your policy carefully.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Indiana, insurers can use credit-based insurance scores to help set your premium. Homeowners with good or excellent credit often save hundreds compared to those with fair or poor credit. Indiana law does provide protections: insurers cannot deny, cancel or refuse to renew a policy solely based on credit, and you can request that your insurer re-evaluate your rate if your credit improves.
To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: The better your credit score, the lower your premium typically will be. But regardless of your credit history, shopping around with Jerry can help you find a competitive rate.
Compare home + car bundles in one place, all online.
FAQ
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💰 How much is homeowners insurance in Indiana?
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🌪️ Does homeowners insurance cover tornado damage in Indiana?
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🌊 Do I need flood insurance in Indiana?
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💳 Does Indiana use credit scores for home insurance?
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🏠 Is homeowners insurance required in Indiana?
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🪨 What should I do after hail or storm damage to my home?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.