Home insurance in Indiana.
Home insurance in Indiana is below the national average, with severe storms and tornadoes the primary source of weather claims.
Indiana at a glance
Avg. premium
$1,191/yr
NAIC 2022, HO-3
vs. national
24% below
U.S. avg $1,569/yr
Main cost driver
Tornadoes & severe storms
What pushes rates here
Home insurance in Indiana is below the national average, with severe storms and tornadoes the primary source of weather claims.
How much does home insurance cost in Indiana?
The average homeowner in Indiana pays $1,191per year for home insurance, that's 24% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Indiana vs the national average
24% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Indiana
Wind, hail, and tornado damage shape pricing, but the lack of coastal or wildfire exposure keeps Indiana’s premiums comparatively low.
What home insurance covers
A standard Indianahomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Indiana
Rates for the same home can vary widely between insurers in Indiana, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Indiana home insurance FAQs.
Common questions about homeowners insurance in Indiana.
06 / Get Started
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