Homeowners Insurance Indiana

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Protect Your Home With Indiana Home Insurance

homeowners insurance indianaIt’s not easy making a house a home, which is why it’s important to be prepared if the unexpected strikes. Indiana homeowners insurance covers your home and personal belongings if they’re damaged or destroyed, so you can enjoy them both with peace of mind. Since 1984, the AARP® Homeowners Insurance Program from The Hartford1 has been protecting homes in the Hoosier State from:
 
  • Fire
  • Theft
  • Thunderstorms
  • Hail
  • Tornadoes
  • Water damage caused by a burst pipe
  • Wind damage caused by weather

How Much Is Homeowners Insurance in Indiana?

couple protected by home insurance indianaAccording to 2024 homeowners insurance rates, the national average for home insurance in Indiana is $1,655 per year, or $138 per month. This is over $500 less than the national average of $2,230.2
 
Your Indiana homeowners insurance costs may be higher or lower, since rates are based on several factors, including:
  • Location
  • Home size
  • Cost to rebuild your home
 

What Does Home Insurance in Indiana Cover?

The Hartford offers customizable homeowners insurance coverage for AARP members in Indiana, such as:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.3
 

Optional Coverage To Add to Your Indiana Home Insurance Policy

Every homeowner faces different risks. That’s why the AARP Homeowners Insurance Program from The Hartford offers extra protection for your Indiana home. Make sure you’re prepared enough to meet your unique needs with additional coverage options, like:
“New for Old” Protection, ‡‡ which helps replace your destroyed belongings with new ones of the same quality.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing Property Deductible,‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. However, you may want this coverage to protect your home and belongings, whether you live in a flood zone or not. To get protection, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***
 

Tornadoes & Indiana Home Insurance

couple pleased with home insurance quotes indianaThe Indiana Department of Homeland Security considers tornadoes to be one of the most common natural disasters in the state.4 In fact, in 2022, there were 15 recorded tornadoes in Indiana alone.5
 
Luckily, The Hartford can protect your Indiana home and belongings from tornadoes. Get a homeowners insurance quote online in minutes or call a representative at 877-422-2345.
 

Preparing for a Tornado

Tornadoes can cause severe damage. To stay protected, review your Indiana homeowners insurance policy and make any necessary changes to ensure you’re properly covered if a tornado strikes.
 
Get even more prepared by following these tips from Indiana’s Department of Homeland Security:6
 
  • Understand the risk of tornadoes in your area.
  • Recognize the warning signs of a tornado.
  • Create a preparedness kit, making sure it’s portable and easy to transport.
  • Conduct household tornado drills at different times of the day to prepare everyone in your home.
  • Identify safe places for shelter, such as basements, inner rooms and storm cellars that are away from doors, windows and outer walls.
  • Buy and set up an all-hazard weather radio and have more than one method of getting weather alerts.
  • Know your insurance company’s contact information and how to file a homeowners insurance claim.
  • Make copies of your important documents and store them in a safe place. You may want to consider getting a fire-proof safe or check with your bank to see if you can store important items in a safe-deposit box with them.
If disaster strikes, you can prevent further damage by making any immediate fixes to your home that you can do safely. Be sure to use your home inventory to document what’s damaged or destroyed.
 

Homeowners Insurance Discounts in Indiana

The Hartford offers several homeowners insurance discounts to help AARP members in Indiana save on their home insurance. With the AARP Homeowners Insurance Program from The Hartford, you can take advantage of discounts such as:
 
  • Bundle Auto and Home Insurance: You can save over $800 or up to 12% on your car insurance and up to 20% on your home, condo or renters policies when you bundle insurance policies.**
  • Home Security Systems: Adding burglar alarms or other security systems can get you discounted home insurance.
  • Fire Protection: If you install devices like fire sprinkler systems and monitored alarms, you can save on your Indiana home insurance.
  • Claim-free Discount: The longer you've been claims-free, the more you can save on your home insurance policy. (Availability varies by state.)

Frequently Asked Questions About Homeowners Insurance in Indiana

In 2024, the average cost of a home insurance policy in Indiana is $1,655 per year, or $138 per month.7
Generally, the 80% rule means that you should have your replacement cost set to at least 80% of your home’s total value. Otherwise, you risk being underinsured if something happens to your home. To protect against this, The Hartford requires all homes to be insured to 100% of their rebuilding cost.
 

Get Quick and Easy Home Insurance Quotes in Indiana

It takes years of work to make a home from a house. Insurance in Indiana, thankfully, can help protect your emotional investment. Since 1984, The Hartford has been covering AARP members in the Hoosier State and their homes. Get the exclusive benefits and protection you deserve with the AARP Homeowners Insurance Program from The Hartford. All you need is your zip code to start your free home insurance quotes in Indiana online or by calling 877-422-2345.
 
 
Last Updated: October 16, 2024
 
2,7 Bankrate, “Home insurance rates by state for October 2024”
 
3 Medical payments are calculated on the basis of usual, customary and reasonable charges.
 
4,5,6 Indiana Department of Homeland Security, “Tornadoes”
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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