Updated: February 18, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Indiana are American Family, USAA and Auto-Owners.
American Family offers the highest-quality homeowners insurance in Indiana with the lowest average annual premium at $1,470.
Tornado threats drive up home insurance costs across Indiana, as frequent severe weather increases risk. Shop around for quality, affordable protection.
American Family is the best home insurance company for most Indiana homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| American Family | 4.66 | 1 | 3 | 3 |
| USAA | 4.96 | 2 | 1 | 1 |
| Auto-Owners Insurance | 4.55 | 6 | 2 | 4 |
| State Farm | 4.54 | 3 | 4 | 2 |
| Farmers | 4.41 | 5 | 5 | 6 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
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Between Indiana's bustling metro areas and quiet rural communities, home insurance rates and provider performance shift based on local risk factors. We identified the top-scoring insurer for major cities across Indiana based on affordability, customer satisfaction and coverage options.
| Butler | USAA | $1,568 |
| Elkhart | USAA | $1,643 |
| Evansville | USAA | $2,039 |
| Fort Wayne | USAA | $1,720 |
| Goodland | USAA | $1,887 |
| Indianapolis | USAA | $2,110 |
| South Bend | USAA | $1,953 |
Coverage amounts affect Indiana home insurance costs. Homeowners with $500,000 in dwelling protection pay $5,019 annually, compared to $1,814 for $100,000 in coverage. The statewide average is $3,136 per year, but your personal profile drives wide variation. Credit score also matters: poor credit increases premiums to $5,161, while excellent credit lowers them to around $1,280.
Overall average | $3,136 | $340 |
$100,000 dwelling coverage | $1,814 | $195 |
$500,000 dwelling coverage | $5,019 | $585 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,280 | $258 |
Poor Credit | $5,161 | $673 |
Compare rates from multiple insurers to find Indiana home insurance that covers the state's severe storms, tornadoes and hail damage risks. Shop for policies that financially protect your property against these local hazards while staying affordable.
Assess your home's replacement cost and Indiana's natural disaster risks. Tornadoes, severe thunderstorms and hail are the primary threats across the state, with flooding a concern near rivers and low-lying areas. Your coverage should reflect your home's value, personal property and liability needs, while accounting for Indiana's rebuilding costs.
Indiana home insurance averages $3,136 annually. Bundling home and auto policies saves 15% to 25% on premiums. Discounts are available for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant upgrades can reduce both your premium and your exposure to storm damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Indiana-specific coverage options like water backup, sump pump failure and extended replacement cost coverage, which pays full rebuilding costs even when they exceed policy limits due to material or labor increases.
Separate flood insurance covers damage from Indiana's river flooding and heavy rainfall without relying solely on the National Flood Insurance Program. Equipment breakdown coverage handles HVAC failures during the state's hot summers and cold winters. Short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers, since rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons, and ask about discounts for storm-resistant materials and protective devices.
Update your dwelling coverage each year to match rising construction costs and your home's current replacement value. Shop for new quotes after major home improvements, and account for Indiana's severe storm risks when reassessing your coverage limits.
American Family, USAA and Auto-Owners top Indiana's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from all three and make sure your policy covers tornado and hail damage with enough dwelling coverage to rebuild your home fully and adequate liability limits.
Common questions Indiana homeowners ask when shopping for home insurance:
Standard home insurance policies don't cover sewer backup damage, leaving homeowners responsible for expensive cleanup and repair costs. You'll need to add sewer backup coverage as an endorsement to your existing policy. This add-on covers damage from water that backs up through sewers or drains into your home.
Your dwelling coverage needs to match the full cost to rebuild your home, which differs from its market value. Inventory your belongings to determine adequate personal property coverage amounts. A professional appraisal or construction cost calculator can help you arrive at accurate rebuild estimates.
Tornadoes push up home insurance rates in Indiana as insurers adjust premiums to account for increased property damage risk and claims frequency. Central and southern Indiana see particularly elevated tornado activity, resulting in higher regional premiums. Homeowners can offset some of those costs by installing impact-resistant roofing, reinforced windows or a storm shelter, all of which can qualify for discounts.
Replacement cost coverage pays to replace damaged items with new ones at current market prices, while actual cash value only reimburses what your belongings were worth after depreciation. If your five-year-old television gets destroyed in a fire, replacement cost buys you a new TV while actual cash value pays what the old one was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Indiana-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Indiana homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Indiana's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Indiana needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Indiana's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Indiana homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
