Car and House Insurance Companies in Columbus in
We collected thousands of home insurance quotes across Indiana to find the best coverage in the state. Along with premiums, you should judge a homeowners insurance company by the features it offers and its reputation for quality customer service.
Compare Home Insurance Quotes from Providers in Indiana
It's free, simple and secure.
On average, the cheapest premium we found in Indiana was $537 per year. However, you should consider more than just price when choosing a company to protect your home. Our choice for the best homeowners insurance in Indiana is listed below, along with other top picks.
The average cost of homeowners insurance in Indiana is $901 per year.
Best for most homeowners: Cincinnati Financial
Best for online tools: Allstate
Best for customer service: Erie
Best for military families: USAA
Best for most people: Cincinnati Financial
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/cincinnatifinancial-1","description":" Cincinnati Financial is the most affordable option we found in Indiana and has highly rated customer service, too.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/www.cinfin.com\/","name":"Cincinnati Insurance","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Cincinnati Insurance"}
Our top homeowners insurance choice for Indiana residents is Cincinnati Financial. At just $537 per year, it had the best price of any company we looked at—along with great customer service ratings. Its NAIC Complaint Index is 0.18, meaning it received far fewer complaints than a typical company of its size.
We also like that Cincinnati Financial has endorsements that allow you to customize your policy. For example, you can include coverage for golf carts, landscaping and water damage.
Cincinnati Financial is exclusively available from independent insurance agents. That means you'll work closely with an agent to get a quote, manage your policy and file claims. Independent agents shop around for you, so if Cincinnati doesn't offer the best price for you, the agent will find a better rate.
However, this also means you can't buy a policy from Cincinnati Financial online. If you prefer to manage your homeowners insurance without dealing with another person, you may want to go with another insurer.
Best for online tools: Allstate
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/allstate-3","description":" Allstate's online tools are the best among the insurers we looked at, and their prices are affordable, too.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/insurance.mediaalpha.com\/zero-click.html?cu=https:\/\/www.allstate.com&carrier=Allstate;V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ","name":"Allstate Home Insurance","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Allstate Home Insurance"}
Allstate had the second-best prices among the insurers we looked at in Indiana, with an average price of $577 per year.
As a large national insurer, Allstate has a very powerful online platform where you can get a quote, buy a policy, manage your coverage limits and make claims. This is a great option if you prefer to have complete control over your insurance policy.
Allstate's mass-market appeal means it has all the typical coverage options you'd expect, but not as many custom coverage options as our main pick.
Customer service at Allstate is solid but still receives a few complaints, according to the NAIC. It has a 0.31 NAIC Complaint Index, meaning it's received about 31% of the complaints expected of a company its size. It also received a 3 out of 5 customer satisfaction rating from J.D. Power.
Best customer service: Erie Insurance
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/erie-3","description":" Erie's customer service is among the best in the entire country.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/www.erieinsurance.com\/OnlineQuote\/","name":"Erie","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Erie"}
For customers who are looking for top-notch customer service from their home insurance company, we recommend Erie. Erie received a perfect 5/5 rating from J.D. Power, and we're consistently impressed with its high level of service to its customers.
At $773 per year, Erie's rates were below average for Indiana homeowners, but not the absolute cheapest we found overall.
Like our top pick, Erie is only available through independent insurance agents. That means you'll get help from an insurance expert who will help you decide which coverages you need. However, you won't be able to manage your policy on your own, and Erie's online tools aren't as powerful as those you'll find at some other insurers.
Best for military families: USAA
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","description":" Military-specific benefits make USAA worth looking at if you're on active duty.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/www.usaa.com\/inet\/wc\/insurance-products?akredirect=true","name":"USAA","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"USAA"}
We recommend USAA for members of the military and their families. While its prices aren't the absolute best we found in Indiana, the high level of customer service and military-specific benefits make it a strong choice for people in the armed forces.
USAA's average price in Indiana is $833, which is $68 less expensive per year than the typical company. However, it's nearly $300 more expensive than the cheapest option, Cincinnati Insurance.
USAA is well-renowned for its excellent customer service. It has an impressively low 0.15 NAIC Complaint Index, and it earned a perfect 5/5 from J.D. Power, too.
The company also offers a few perks that are extra appealing to people in the military. For example, your personal property is covered even if you're in an active warzone, which most policies exempt from coverage. And the deductible is waived on claims involving your uniform.
The main drawback to USAA is that it's only available to certain people. You can only join if you have served in the U.S. military or if you have a direct family member (spouse or parent) who is a USAA member.
The best-reviewed homeowners insurance companies in Indiana
Selecting an insurance company is about more than just price; customer service and stability are just as important. With that in mind, we've collected a few key pieces of information about the most popular home insurance companies in Indiana to help you compare each company's quality of service:
- NAIC Complaint Index measures how many complaints an insurance company has received relative to its size. The national median score is 1.00, so a company that earns a score under 1.00 has received fewer complaints compared to a typical company of that size.
- J.D. Power Home Insurance Study is a holistic review of major home insurance companies nationwide. The top score is 5/5.
- **A.M. Best Financial Strength Rating is a letter grade describing an insurer's overall financial ability to pay out an insurance claim, even in times of high claim demand (such as a large-scale disaster) or economic downturn. The highest score is A++.
| Insurer | NAIC Complaint Index | J.D. Power Home Insurance Study score | A.M. Best Financial Strength Rating |
|---|---|---|---|
| Allstate | 0.31 | 3/5 | A+ |
| American Family | 0.69 | 3/5 | A |
| Auto-Owners Insurance Co. | 0.36 | 4/5 | A++ |
| Cincinnati Insurance | 0.18 | -- | A+ |
| Erie | 0.21 | 5/5 | A+ |
| Farmers | 0.39 | 3/5 | A |
| Indiana Farmers Mutual Insurance | 0.15 | -- | A |
| Liberty Mutual | 0.40 | 2/5 | A |
| Nationwide | 0.24 | 2/5 | A+ |
| Progressive | 0.51 | -- | A+ |
| State Farm | 0.20 | 4/5 | A++ |
| Travelers | 0.09 | 2/5 | A++ |
Show All Rows
The cheapest options for homeowners insurance in Indiana
Choosing an affordable homeowners insurance company can save you hundreds of dollars per year. We found that Cincinnati Insurance, the cheapest insurer in Indiana, was nearly $1,000 cheaper per year than the most expensive option, Liberty Mutual. Below, see our full list of the most and least affordable home insurance companies in Indiana.
Compare Home Insurance Quotes from Providers in Indiana
It's free, simple and secure.
Common homeowners insurance perils in Indiana
Indiana is located in the Midwest near the Great Lakes, so the most common forms of damage to homes usually involve winter storms and precipitation.
Is wind damage covered by homeowners insurance?
Wind damage is a common home insurance claim across the country, and fortunately, it's almost always covered. Wind is typically one of the named perils included in even the most basic homeowners policies.
Of course, it's best to avoid insurance claims if you can, so minimize the risk of wind damage by taking these precautions:
- Remove branches hanging over your house.
- Store away lawn furniture, especially if there may be a storm.
- Get your roof inspected on a regular basis.
- Add storm shutters to your windows.
Is snow damage covered by homeowners insurance?
Indiana gets its fair share of snowfall, which may cause damage when it piles up on your roof. Snow damage is a common named peril in a typical homeowners insurance policy, so it's usually covered by homeowners insurance.
However, your insurer may deny your claim if it determines the damage resulted from negligence. If your home is at a high risk of snow or ice damage, keep your roof free of excess snow and ice dams. That will help you avoid costly repairs.
Is flooding covered by homeowners insurance?
Although flood damage is common, it's almost never covered by homeowners insurance. It's usually a named exclusion from homeowners insurance policies.
Homeowners whose properties are at risk of flooding, such as those near Lake Michigan or near the Ohio River, may want to consider buying flood insurance. Flood insurance covers damage to your home and personal property due to flooding.
You can purchase flood insurance policies either through the federally backed National Flood Insurance Program (NFIP) or through a private insurer. The NFIP can insure homeowners in high-risk areas, but these policies have lower coverage amounts. There's also a 90-day waiting period before the policy goes into effect.
Private policies generally have shorter waiting periods and more flexible coverage limits. However, homes at a very high risk of flooding may not be eligible for coverage.
Indiana insurance rates: City-by-city breakdown
In addition to a statewide price analysis, we also did a city-by-city breakdown of the cost of homeowners insurance in major Indiana cities. See the list below to see how prices in your city compare to others.
| City | Average cost | % difference from state average |
|---|---|---|
| Anderson | $900 | 0.0% |
| Auburn | $782 | -13.1% |
| Bedford | $976 | 8.3% |
| Beech Grove | $960 | 6.6% |
| Bloomington | $861 | -4.4% |
| Bluffton | $805 | -10.6% |
| Carmel | $862 | -4.3% |
| Columbus | $881 | -2.1% |
| Connersville | $850 | -5.6% |
| Crawfordsville | $893 | -0.8% |
| Crown Point | $812 | -9.8% |
| East Chicago | $1,031 | 14.4% |
Show All Rows
To understand how prices for home insurance in your city compare with rates around the country, see our national survey of home insurance costs in the United States.
Methodology
We collected thousands of home insurance quotes from every ZIP code in the state of Indiana. Our sample property is a 2,100-square-foot home built in 1973, with $141,100 of dwelling coverage — the state's median home value.
Home insurance companies surveyed:
- State Farm
- Liberty Mutual
- Allstate
- United Farm Bureau of IN Group
- American Family
- Erie
- Auto-Owners Insurance Co.
- USAA
- Travelers
- Farmers
- Indiana Farmers Mutual Insurance
- Nationwide
- Cincinnati Insurance
- Westfield
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only—your own quotes may be different.
Car and House Insurance Companies in Columbus in
Source: https://www.valuepenguin.com/best-cheap-homeowners-insurance-indiana