The Best Home Insurance in Indiana for 2025

Chubb and USAA are the best home insurance companies in Indiana, according to our analysis.

To help you find the best home insurance in Indiana, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.6 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Indiana.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage that often costs extra from other insurers. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This coverage is useful in case it costs more than expected to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction. Amica also gets far fewer complaints compared to other insurers, according to the National Association of Insurance Commissioners.

The company offers a broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options. You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

Another highlight is that State Farm’s policies generally include extra dwelling coverage.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has a few levels of homeowners coverage to help you choose the package that’s best for you. You can add extra coverage for the structure of your home, broader coverage for your belongings or both.

Country Financial sells homeowners insurance through local representatives. The company receives far fewer complaints than expected, according to the NAIC.

» READ MORE: Country Financial homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Indiana is $2,495. That’s 18% more than the national average of $2,110.

In most U.S. states, including Indiana, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Indiana, those with poor credit pay an average of $4,775 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 91% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

How much you pay for homeowners insurance in Indiana depends on where you live. For instance, the average cost of home insurance in Indianapolis is $2,760 per year, while homeowners in Fort Wayne pay $2,190 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Indiana average of $2,495.

» MORE: The cheapest homeowners insurance

Here are some common risks you might face as an Indiana homeowner.

Severe weather

Home insurance usually covers most damage caused by severe weather throughout the year. For example, roof damage caused by falling trees or the weight of ice are both usually covered.

Be aware that wind and hail damage may have a separate deductible. It may be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.

Flooding

Floods can cause extensive damage, and homeowners insurance won't usually cover it. You’ll need to buy flood insurance for that. Be aware that you can buy flood coverage anytime, but there’s typically a 30-day waiting period before the insurance takes effect. Learn how to find the best flood insurance.

» MORE: Should I get flood insurance?

Earthquakes

Homeowners insurance typically doesn't cover damage caused by earthquakes, but there may be exceptions. For example, if a gas line dislodged by the earthquake starts a fire, the fire may be covered under your policy. Review your policy carefully to make sure you understand your coverage. If you live in an area with higher risk, you may want to consider earthquake insurance.

Sinkholes

Sinkholes are common in some parts of Indiana due to its karst geography, and they can significantly damage homes. Much like earthquakes, standard home insurance policies do not cover sinkholes. If you live in an area with sinkhole activity, you may want to consider additional coverage.

» MORE: Home insurance calculator: Estimate your rate

Indiana insurance department

The Indiana Department of Insurance oversees the state’s insurance industry and provides consumer protection. Its website has resources on homeowners insurance in Indiana, such as general information pamphlets on insurance protections and a guide to earthquake insurance.

You can file a complaint against your insurance company on the agency's website, by mail or via fax. If you have questions about filing a complaint or about Indiana insurance, call 800-622-4461.