How you're covered

Indiana doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Indiana

Around 24 percent of Indiana is wetland. It's home to 65 rivers and thousands of tributaries. This makes the state particularly prone to flooding; in fact, there've been dozens of catastrophic floods, with three of the most damaging occurring in 1913, 1937, and 2008. If you live near a large body of water, like the Ohio or Wabash River, your home may be endangered by rising water levels. A flood insurance policy may protect your property and belongings against flood damage.

Learn more about how home insurance may cover storm damage.

Floods aren't the only risk that Hoosiers face, though. Tornadoes spinning off from Midwest storms can cause tremendous amounts of damage to your home's roof, structure, outlying buildings, and your belongings. Your home insurance policy may protect against tornadoes and other damage up to the limits of your policy, minus your deductible.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

How much is homeowners insurance in Indiana?

Your cost for Indiana homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Do you own a rental or vacation property in Indiana?

If you own a rental property in Indiana, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fast facts about homes in Indiana

  1. Forbes ranked the Indianapolis housing market as one of the top markets in the country to keep an eye on.

  2. Indiana had a homeownership rate of 73% in 2021.

  3. There's an 18,000 square foot home in Indianapolis that contains an indoor basketball court.

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