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You know that the Hoosier state is home to the renowned basketball team, the Indiana Pacers. So whether you’re watching the Pacers at the Gainbridge Fieldhouse or from the comfort of your home, you’ll need the right homeowners’ insurance.
The perfect home insurance protects your biggest asset, so you don’t have to pay out of pocket for damages. And of course, it’s also affordable.
If you’re looking for the best homeowners insurance in Indiana, read on, and we’ll review everything you need to help you choose your policy.
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Although Indiana is not known for severe weather events like tornadoes or earthquakes—natural disasters that generate a lot of damage—they’re not immune to these and other hazards.
If you call Indiana home, these are the significant perils that the state is vulnerable to:
Since Indiana has its fair share of flooding, usually due to extreme weather events, you should consider flood insurance as traditional homeowners insurance in Indiana or elsewhere doesn’t cover flooding. So, if you don’t want to pay for flooding-related damages, you’ll need to take out a flooding policy.
The same goes for earthquake insurance, it’s not built into homeowners insurance, so if you want the coverage, you’ll need to take out an earthquake policy.
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Insurance companies use different factors to create your homeowner profile; this profile allows insurers to calculate your premiums, as rates aren’t universal. Indiana insurance companies use these factors to help determine your rates:
Not everything is within your control, but there are ways you can find savings on home insurance. We’ll explore those tips further below.
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Renters in Indiana need and can benefit from home insurance too! Even though the dwelling is not yours, you’ll want protection for your personal belongings or liability/medical if someone is hurt in your apartment. In Indiana, insurance rates are low (around $17 monthly), which helps ensure that most renters have insurance.
If you call a mobile or manufactured home, the average cost to insure it in Indiana varies between $300-$1,000 a year, depending on your home, personal information, and coverage choices. Manufactured home insurance in Indiana covers your dwelling, personal property, and liability/medical for someone that gets injured on-site.
Your home is your biggest asset, so you’ll want to protect it with the right homeowners’ insurance in Indiana. If you leave the house for the night and see the Indiana Pacers hit the court, you want to know that your property is guarded against the elements and whatever else may come its way, like thieves or other known perils.
If you’re ready to start shopping for quotes, go ahead and get access to free quotes fast by clicking here.
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Hollay Ghadery Hollay Ghadery is a writer and editor who is passionate about financial literacy as a means to personal fulfillment. Hollay has over 18 years of experience creating content about a range of topics related to personal finance, including insurance, investing, banking, and credit cards. When Hollay isn't writing, she's spending time with her four children, two dogs, and three goats.