{"id":325188,"date":"2025-11-08T00:44:35","date_gmt":"2025-11-08T05:44:35","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96497"},"modified":"2025-11-08T00:44:35","modified_gmt":"2025-11-08T05:44:35","slug":"best-in-indiana","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-indiana\/","title":{"rendered":"Best Indiana Homeowners Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Best Indiana Homeowners Insurance Companies Review\"><\/span>\n    \n\n\n<p>Indiana is a great place to live \u2014 from farm-to-table food to a passionate sports scene \u2014 but homeowners face increasingly volatile weather. Severe convective storms (hail, tornadoes, straight-line winds), intense rainfall that can trigger flooding, winter cold snaps and heavy snow are all part of the risk picture, which makes homeowners insurance essential for Hoosiers. Recent national analyses also show another exceptionally costly period for severe storms affecting the Midwest and Ohio Valley, including Indiana (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion-Dollar Disasters<\/a>).<\/p>\n\n\n\n<p>The Hoosier State has several strong homeowners insurers. Erie, Allstate, Nationwide and Cincinnati Insurance remain notable options for different needs, with strengths ranging from coverage breadth and discounts to agent support and digital tools. When comparing carriers, pair financial strength (e.g., AM Best ratings) with customer experience insights (e.g., the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>) to get a balanced view (<a href=\"https:\/\/www.ambest.com\/ratings\/\">AM Best credit ratings center<\/a>). Erie and Nationwide also made it to our national list of <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">best cheap homeowners insurance<\/a>, while Allstate is included in our take of the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a> in the U.S. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Indiana<\/h2>\n\n\n\n<ul><li><strong><a class=\"achor-toggles\" href=\"#erie\">Erie Insurance<\/a>:<\/strong> Best for Basic Coverage<\/li><li><strong><a class=\"achor-toggles\" href=\"#allstate\">Allstate<\/a>: <\/strong>Best for New Homebuyers<\/li><li><strong><a class=\"achor-toggles\" href=\"#nationwide\">Nationwide<\/a>: <\/strong>Best for Discounts<\/li><li><strong><a class=\"achor-toggles\" href=\"#cin\">Cincinnati Insurance<\/a>: <\/strong>Best Pricing Options<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Indiana\u2019s Top Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\"><strong>J.D. Power Overall Customer Satisfaction<\/strong><\/a><\/td><\/tr><tr><td>Erie Insurance<\/td><td>$987<\/td><td>A+<\/td><td>835\/1,000<\/td><\/tr><tr><td>Allstate<\/td><td>$1,096<\/td><td>A++<\/td><td>829\/1,000<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,138<\/td><td>A+<\/td><td>812\/1,000<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$629<\/td><td>A+<\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Earlier quote datasets modeled $250,000 in dwelling coverage. For current shopper-facing costs, 2024 studies place typical Indiana premiums roughly in the $1,400\u2013$1,900 range depending on coverage and ZIP code (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/average-homeowners-insurance-cost\/\">Forbes Advisor<\/a>).<\/em><\/p>\n\n\n\n<p>Benchmarks update: the latest official average-expenditure data are available through 2022 and show Indiana below the U.S. average, but double\u2011digit rate increases in 2023\u20132024 mean 2025 costs are notably higher (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a>; <a href=\"https:\/\/www.policygenius.com\">Policygenius Pricing Report<\/a>; <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\">S&amp;P Global Market Intelligence<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Basic Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"erie\">Erie Insurance<\/h2>\n\n\n\n<p>Erie has been protecting policyholders for nearly a century. Its standard homeowners policies are known for robust base coverage and optional add\u2011ons like guaranteed replacement cost and expanded theft protection, with strong bundling and protective\u2011device discounts available. As with many Midwest insurers, review any separate wind\/hail deductible and roof settlement terms given recent storm activity (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Erie Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Basic Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie&#8217;s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$987*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie&#8217;s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Thorough base policy<\/li>\n                            <li>Two options for flood insurance coverage<\/li>\n                            <li>Great customer satisfaction ratings<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No mobile app for home insurance <\/li>\n                                    <li>Not many online capabilities<\/li>\n                                    <li>Can\u2019t file a claim online<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Advance quote discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sprinkler system credit<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Erie offers one of the highest savings for multi-policy that could be found out there. The company advertises up to a 25% discount when you choose to bundle car and home insurance.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">More information on ERIE Insurance:<\/h4>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\">Erie Insurance Auto Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\">Erie Insurance Renters Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for New Homebuyers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"Allstate\">Allstate<\/h2>\n\n\n\n<p>Allstate\u2019s strength is the breadth of its coverage options and discounts, plus a user-friendly website and digital tools that make it easy to compare features. In a period of industry-wide premium increases and tighter underwriting, clear communication and proactive support matter \u2014 themes highlighted in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 J.D. Power U.S. Home Insurance Study<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homebuyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,096*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse discount opportunities informative website and digital tools<\/li>\n                            <li>Above-average customer service<\/li>\n                            <li>Lots of discount and coverage options <\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>NAIC complaint index high<\/li>\n                                    <li>Financial strength ratings good, but not great<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home buyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hail-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">More information on Allstate:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a>&nbsp;<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"nationwide\">Nationwide<\/h2>\n\n\n\n<p>Nationwide offers a wide range of coverage and discounts. Standard policies include dwelling, personal property and liability, with options like Brand New Belongings. Premiums vary by ZIP code and risk details; factors like roof age\/material, mitigation features, and deductible choice can meaningfully affect your quote (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2024 Indiana analysis<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide insurance is popular among homeowners across the country. The provider is worth considering if you are looking for extensive coverage for your home and your belongings. Nationwide is a good option for homeowners who plan to renovate their property and for newly purchased homes.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,138*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">812**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide insurance is popular among homeowners across the country. The provider is worth considering if you are looking for extensive coverage for your home and your belongings. Nationwide is a good option for homeowners who plan to renovate their property and for newly purchased homes.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Brand New Belongings policy<\/li>\n                            <li>Wide range of discounts<\/li>\n                            <li>Variety of add-on coverage options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Mobile app not geared toward homeowners insurance<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home renovation credit<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gated community discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home purchase discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">You can save money on your premium based on your roof&#8217;s age and surface type. If your belongings get damaged or stolen, the company will cover the full cost of repairing or replacing them.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">More information on Nationwide:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\">Nationwide Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/nationwide-insurance-review\/\">Nationwide Motorcycle Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/life\/nationwide-review\/\">Nationwide Life Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"cin\" title=\"Best Pricing Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Cincinnati Insurance Co.&nbsp;<\/h2>\n\n\n\n<p>Cincinnati Insurance is an Ohio-based writer with a strong agency presence in Indiana. While it\u2019s well known for high\u2011value home solutions, it also offers policies for a wide range of homes. In today\u2019s market, verify wind\/hail deductible terms and any roof age\/material requirements common across the Midwest due to recent severe weather trends (<a href=\"https:\/\/ibhs.org\/hail\/\">IBHS hail guidance<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"cincinnati-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Cincinnati Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Pricing Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                We liked the Executive Homeowner Plus endorsement, which allows you to add padding to your coverage, such as replacement cost on personal property, with no deduction for depreciation, replacement for damaged trees and plants, and even coverage for the contents of your freezer after a power failure. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337952-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$629*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                We liked the Executive Homeowner Plus endorsement, which allows you to add padding to your coverage, such as replacement cost on personal property, with no deduction for depreciation, replacement for damaged trees and plants, and even coverage for the contents of your freezer after a power failure. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Good for high-value homes<\/li>\n                            <li>Homeowner Plus endorsement<\/li>\n                            <li>Good customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Few discounts<\/li>\n                                    <li>Lacks third-party ratings<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home and auto bundle discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home alarm discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home and auto bundle discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home alarm discount<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Earlier quote datasets modeled $250,000 in dwelling coverage; today\u2019s typical premiums are higher than prior years due to elevated storm losses, reinsurance costs and construction inflation (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2024<\/a>).<\/em><\/p>\n\n\n\n<p><em>**J.D. Power U.S. Home Insurance Study (latest: 2024). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners Insurance in Indiana\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Indiana<\/h2>\n\n\n\n<p> Indiana homeowners insurance costs have risen materially since 2021. The latest official benchmark (NAIC average expenditure via <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I<\/a>) shows Indiana below the U.S. average in 2022, but current quote-based studies indicate typical premiums around $1,400\u2013$1,900 per year for commonly modeled coverage, depending on dwelling limit, ZIP code and insurer methodology (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2024<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/average-homeowners-insurance-cost\/\">Forbes Advisor<\/a>). Premiums are highly individualized: insurers weigh your home\u2019s characteristics (roof age\/material, square footage, updates), claims history, credit-based insurance score (where allowed), location-specific wind\/hail exposure and more. Double\u2011digit rate increases through 2023\u20132024 are widely documented (<a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>; <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\">S&amp;P Global Market Intelligence<\/a>) and are linked to elevated severe storm losses (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Your premium can be lowered by bundling and mitigation credits (e.g., impact\u2011resistant roof, monitored alarms, leak sensors). To understand better <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/estimate-homeowners-insurance-cost\/\" class=\"achor-toggles\">how to calculate your homeowners insurance cost<\/a>, see our guide. If you\u2019re also shopping auto, you can compare the national <a href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">average cost of car insurance<\/a> separately.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"averagepremium\" title=\"Average Premium From Homeowners Insurance Companies in Indiana \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Premium From Homeowners Insurance Companies in Indiana <\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Buckeye Ins Grp<\/td><td>$467<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$629<\/td><\/tr><tr><td>Westfield<\/td><td>$801<\/td><\/tr><tr><td>Indiana Farmers<\/td><td>$803<\/td><\/tr><tr><td>Grange<\/td><td>$852<\/td><\/tr><tr><td>Pekin<\/td><td>$870<\/td><\/tr><tr><td>American Family<\/td><td>$900<\/td><\/tr><tr><td>USAA<\/td><td>$976<\/td><\/tr><tr><td>Erie<\/td><td>$987<\/td><\/tr><tr><td>Allstate<\/td><td>$1,096<\/td><\/tr><tr><td>Travelers<\/td><td>$1,125<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,138<\/td><\/tr><tr><td>Hastings Mutual<\/td><td>$1,269<\/td><\/tr><tr><td>State Farm<\/td><td>$1,567<\/td><\/tr><tr><td>Indiana Farm Bureau<\/td><td>$1,579<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,713<\/td><\/tr><tr><td>Celina<\/td><td>$1,918<\/td><\/tr><tr><td>Farmers<\/td><td>$2,168<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Using earlier quote data (e.g., Quadrant Information Services via Bankrate), historical averages for $250,000 in dwelling coverage in Indiana were lower than today. Multiple 2024 pricing studies now show typical annual premiums clustering in the mid\u2011$1,400s to mid\u2011$1,900s, with the cheapest options varying by ZIP code, coverage limits, roof age\/material and discounts. Always compare several carriers and leverage bundling and mitigation credits (<a href=\"https:\/\/www.bankrate.com\">Bankrate 2024<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/average-homeowners-insurance-cost\/\">Forbes Advisor<\/a>).<\/p>\n\n\n\n<p>These are sample rates and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits in the methodology are as follows:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"three1\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Indiana\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Indiana<\/h2>\n\n\n\n<ul><li>\u201cCheapest\u201d varies by ZIP code, dwelling limit, roof age\/material and discounts; 2024 quote studies show some insurers near the lower end of the ~$1,400\u2013$1,900 range for typical coverage.<\/li><li>Stack savings: ask about multi\u2011policy bundling, impact\u2011resistant roof credits and protective\u2011device or smart\u2011home discounts.<\/li><li>Compare at least 3\u20135 quotes and review wind\/hail deductible type and roof settlement terms, not just price.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"three2\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Indiana\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Indiana<\/h2>\n\n\n\n<ul><li>Higher\u2011risk ZIPs, older or ACV\u2011settled roofs, prior claims and very low deductibles can push premiums well above the state\u2019s typical range.<\/li><li>Large dwelling limits and specialty exposures (e.g., high\u2011end finishes) drive higher premiums; consider code\u2011upgrade and matching coverage needs when pricing.<\/li><li>Carrier appetites change; if your renewal spikes, shop promptly and ask about mitigation credits or roof upgrades that may improve eligibility and price.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"considerations\" title=\"Indiana Home Insurance Considerations\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Indiana Home Insurance Considerations<\/h2>\n\n\n\n<p>Before you buy Indiana home insurance, consider the state\u2019s most common risks and the coverage gaps they create. Indiana is prone to <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-protect-your-home-from-extreme-weather\/\">extreme weather<\/a> from severe convective storms (hail, wind, tornadoes) and heavy rain. That raises the importance of wind\/hail deductibles and roof\u2011settlement terms, as well as water\/sewer backup endorsements for basement plumbing and sump overflows (<a href=\"https:\/\/content.naic.org\">NAIC: Water Damage &amp; Insurance<\/a>). Standard homeowners policies do not cover <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flooding<\/a>; if your provider does not offer flood insurance, it is also available from the <a href=\"https:\/\/www.floodsmart.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">National Flood Insurance Program<\/a>. Under FEMA\u2019s <a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">Risk Rating 2.0<\/a>, premiums reflect property\u2011level risk and typically have a 30\u2011day waiting period; many Hoosiers outside mapped floodplains still benefit from flood coverage.<\/p>\n\n\n\n<p>Before you purchase home insurance, be sure to ask your insurance agent about what kind of coverage is best for your address.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for Indiana Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Indiana Homeowners<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.in.gov\" rel=\"nofollow\">Indiana Department of Insurance<\/a> offers resources for residents trying to choose the best insurance coverage for homeowners. You can find information about choosing the right policy, selecting a deductible, getting flood insurance and more. For background on how Indiana regulates property insurance rates and forms (file\u2011and\u2011use), see IDOI\u2019s <a href=\"https:\/\/www.in.gov\">property &amp; casualty rate and form filing<\/a> page. On the contrary, if you are about to buy a house in Indiana, the <a href=\"https:\/\/www.hud.gov\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">U.S. Department of Housing and Urban Development<\/a> has relevant information about programs that might interest you.<\/p>\n\n\n\n<p>You can check the <a href=\"https:\/\/www.hopb.co\/indiana\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Homeowners Protection Bureau official website<\/a> for laws, regulations, and government agencies across The Hoosier State. Keep in mind that you can purchase homeowners insurance in Indiana at any point during the year.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_6154b1bf710a6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Indiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Although not required by law In Indiana, mortgage lenders might request that you have homeowners insurance. The lending company will let you know if you need to have home insurance before they can approve your loan.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6154b1dc710a7\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Indiana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">According to 2021 data from Bankrate.com, at $467per year, Buckeye Insurance Group offers the cheapest homeowners insurance in Indiana. Cincinnati Insurance and Westfield also offer below-average premiums at $629 and $801 respectively.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies based on third\u2011party ratings for customer experience and financial stability, along with coverage options and discount programs, to determine strong providers for Indiana homeowners. We pair solvency and stability views (e.g., <a href=\"https:\/\/www.ambest.com\/ratings\/\">AM Best Financial Strength Ratings<\/a>) with the latest experience benchmarks (e.g., <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>).<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.<\/li><li>Coverage: As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li><li>Confidence: It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best\u2019s ratings, which specializes in assessing the financial strength of insurance companies.<\/li><li>Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li><\/ul>\n\n\n\n<p>Rates and pricing insights reference recent quote datasets (e.g., <a href=\"https:\/\/www.bankrate.com\">Bankrate 2024 Indiana analysis<\/a>) and the latest available official benchmark for context (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Triple\u2011I\/NAIC<\/a>). These are sample indicators for comparative purposes only; your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indiana is a great place to live \u2014 from farm-to-table food to a passionate sports scene \u2014 but homeowners face increasingly volatile weather. Severe convective storms (hail, tornadoes, straight-line winds), intense rainfall that can trigger flooding, winter cold snaps and heavy snow are all part of the risk picture, which makes homeowners insurance essential for [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354452,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Indiana Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"After evaluating 15 of the biggest insurance providers in the state, Erie Insurance, Allstate, Nationwide and Cincinnati Insurance stand out as the best home insurance companies in Indiana.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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