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Since your needs dictate what’s best for you, MoneyGeek’s scoring system evaluated the best home insurance providers in Indiana for different types of homeowners. The scoring system also reviewed their available coverage and discounts to find the best options.

While Allstate is the best company overall, Nationwide is the best for affordability and USAA is ideal for veterans.

MoneyGeek also analyzed the cheapest homeowners insurance providers in Indiana for those more concerned with saving on their monthly bill.

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The Best Homeowners Insurance in Indiana

The Best Overall Homeowners Insurance Companies in Indiana

While it’s not legally required, homeowners insurance is critical to protect your hard-earned asset. To find the best-rated home insurance companies in Indiana, MoneyGeek scored insurers based on their customer satisfaction, claims reputation, affordability and financial stability.

According to these factors, the best home insurance in Indiana is from:

  • Allstate: MoneyGeek score of 86 out of 100
  • Nationwide: MoneyGeek score of 85 out of 100

Excluded from this ranking is USAA, whose policies are only available for active or retired military members and their families. USAA has a score of 97 out of 100, making it the best in the state for those who are eligible.

To understand why Allstate and Nationwide are the best in the state, MoneyGeek broke down the unique coverages and discounts offered by these insurers.

The Top Home Insurance Companies in Indiana





User Satisfaction


Financial Stability

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Geek Quick Take

Scoring highly in affordability and financial stability, Allstate ranks first as the best home insurance company in Indiana, with an average premium of $798 per year. For homeowners with a green thumb, they offer yard and garden coverage options.

More About Allstate

Allstate ranks first in Indiana as the best home insurance provider for scoring highly across MoneyGeek’s scoring system. Their yard and garden coverage increase coverage for items like trees, riding lawn mowers and landscaping. They also offer unique coverage options such as energy efficiency upgrades and mold coverage. Energy-efficient upgrades can replace appliances with more energy-efficient alternatives, while mold coverage can protect you against mold and fungus.

Read MoneyGeek's Allstate home Insurance Review




User Satisfaction


Financial Stability

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Geek Quick Take

Scoring first in affordability, Nationwide ranks as the second-best home insurer in Indiana with policies costing an average of $747 per year. If you live along a fault line, you can purchase additional earthquake coverage from Nationwide, which is an uncommon coverage.

More About Nationwide

Nationwide ranks second as the best home insurer in Indiana, scoring second in customer satisfaction and financial stability and first in affordability. They offer uncommon coverages like better roof replacement coverage, which can replace your damaged roof with stronger and safer materials. Additionally, homeowners in California, Hawaii, Nevada or Washington can also purchase earthquake coverage, which has a separate deductible.

Read MoneyGeek's Nationwide home Insurance Review
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To find the best home insurance on a national level and in Indiana, MoneyGeek collected quotes from providers across the country. Our unique scoring system balanced rates against property claims ratings and customer satisfaction scores from J.D. Power.

Keep in mind that costs and experience may still vary based on your unique circumstance. Be sure to read MoneyGeek’s methodology to find out more.

The Best Homeowners Companies in Indiana for Service Quality

For homeowners who value service quality no matter what the price is, MoneyGeek scored the best home insurance companies in Indiana based entirely on customer satisfaction and claims experience.

The top companies are:

  • Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100
  • American Family: MoneyGeek score of 83 out of 100

For military families, USAA is the best home insurer in Indiana, with a score of 100 out of 100. This makes it the best option in the state for eligible individuals.

MoneyGeek outlined the unique coverages and discounts that Auto-Owners Insurance Co and American Family offer to better understand why it ranks at the top in terms of service and customer satisfaction.

The Top Home Insurance Companies in Indiana for Quality Service

Auto-Owners Insurance




User Satisfaction


Financial Stability

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Geek Quick Take

Auto-Owners Insurance Co is the best-rated home insurance company in Indiana in terms of service, scoring first in claims ratings and tying for second in customer satisfaction. This means that they offer great customer service when needed.

More About Auto-Owners Insurance

Scoring highly in both customer satisfaction and claims ratings, Auto-Owners Insurance Co ranks first in Indiana for offering the best experience to their clients. For homeowners with boats or ATVs, this provider even offers specialty vehicle coverage. Additionally, frequent vacationers can get off-premises personal property coverage, which covers personal property they take, such as a laptop, if it gets damaged.

Read MoneyGeek's Auto-Owners Insurance home Insurance Review
American Family Insurance




User Satisfaction


Financial Stability

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Geek Quick Take

American Family ranks second-best in service in Indiana, tying first in customer satisfaction with Auto-Owners Insurance Co. Having a high customer satisfaction score means that American Family offers high-quality policies and processes to their clients.

More About American Family Insurance

American Family offers a number of unique optional coverage options for consumers, such as equipment breakdown and hidden water damage coverage. With equipment breakdown coverage, your appliances, home systems and even smart home devices can be covered if they get damaged due to mechanical, electrical or pressure systems breakdown. Hidden water damage also covers you in case your home experiences a leak you can’t see.

Read MoneyGeek's American Family Insurance home Insurance Review

The Best Homeowners Companies in Indiana on a Budget

If you’re looking for the best home insurance companies in Indiana but are on a budget, MoneyGeek can help you find the best options.

The best insurers in Indiana for affordability are:

  • Nationwide: MoneyGeek score of 92 out of 100
  • Allstate: MoneyGeek score of 91 out of 100

Nationwide policies cost an average of $747 per year, while Allstate’s policies average $798 annually. To understand why Nationwide is the top ranking in affordability, MoneyGeek broke down its unique coverages and discounts.

The Top Home Insurance Companies in Indiana on a Budget


Home insurance coverage is at an affordable $747 per year on average

Discounts for homes purchased within 12 months, bundling insurance policies and being claims free


Does not offer discounts for newly constructed homes

MoneyGeek satisfaction rating of 3.86 out of 5


MoneyGeek scored Nationwide a 92 out of 100 in terms of affordability as they offer the cheapest policies on average and have various and easy-to-get discounts. For instance, policyholders can get discounts simply by bundling up different policies and being claims-free. If you renovate your home's plumbing, heating, cooling or electrical systems, you can also get discounts on your premium.

Some of their more unique discounts include reducing your premiums based on your roof’s age and surface type, along with getting discounts for being continuously insured even if it was with another insurer.

The Best Homeowners Companies in Indiana for Expensive Homes

Homeowners in Indiana with expensive homes will have to buy more coverage as the home will cost more to rebuild. To find the best-rated home insurance company in Indiana for expensive homes, MoneyGeek weighed the cost of a policy with $2 million in coverage against customer satisfaction.

The top home insurers in Indiana for expensive homes are:

  • State Farm: MoneyGeek score of 85 out of 100
  • Erie: MoneyGeek score of 83 out of 100

MoneyGeek evaluated why State Farm scored the highest for expensive homes by also looking at their unique coverage options.

The Top Home Insurance Companies in Indiana for High-Value Homes
State Farm


MoneyGeek satisfaction rating of 4.09 out of 5


They do not offer contents replacement cost coverage

It ranks 7th in affordability out of the 9 companies MoneyGeek evaluated


As the most widely-available provider, State Farm ranks first in customer satisfaction and seventh in affordability. While it may not be the most affordable, they do offer the best service for those who need a lot of coverage.

State Farm also has many coverage options that are best suited for high-value homeowners, such as scheduled personal property and earthquake coverage. Scheduled personal property coverage can extend coverage for your valuable items at home, such as increased limits for jewelry and furs, silverware and goldware and firearms. Earthquake coverage is also beneficial for those who live along active fault lines, like in California or Washington.

The Best Homeowners Companies in Indiana for Veterans

There are a number of providers in the state that offer discounts for military families, but the best home insurance in Indiana for veterans and active military duty individuals is from USAA. This provider only caters to current and former military members in their families, giving them a unique experience that best satisfies their needs.

USAA has a MoneyGeek score of 97 out of 100 and often scores above other providers in other categories. On average, their policies in Indiana cost $906 per year.

The Top Home Insurance Companies in Indiana for Veterans


Coverage is tailored to military families and their needs

MoneyGeek satisfaction score of 5 out of 5

MoneyGeek affordability score of 4.56 out of 5


Not available for the general public that does not have a military background


USAA ranks highly in both customer satisfaction and affordability in Indiana and often scores above other providers. However, given that they only serve those in the military and their family members, not many get to experience their highly-rated customer service.

Their great customer service is also due to the coverage options they offer, such as earthquake, contents replacement cost and home rental coverage. Contents replacement cost coverage reimburses you for your belongings with no depreciation, while home rental coverage ensures you are protected if you rent out your home.

The Best Homeowners Companies in Indiana for Bundling

Bundling insurance is one of the best ways to get discounts. However, it’s important to bundle policies from the right provider.

If you’re looking to get the best car insurance in Indiana and want to match it with a top-rated home insurance policy, MoneyGeek rated the best home and auto insurance bundles.

  • State Farm: MoneyGeek score of 86 out of 100
  • Farmers: MoneyGeek score of 74 out of 100

Having two insurance policies in one doesn’t only give you discounts, but it also makes the process of managing insurance far easier.

The Top Home Insurance Companies in Indiana for Bundling
State Farm


Home MoneyGeek score of 4.17 out of 5

Auto MoneyGeek score of 4.06 out of 5

30% bundling discount




State Farm hits all the marks for the best home insurance provider for bundling. Despite it ranking fourth for home insurance overall, the great scores in auto insurance and discounts pull it through to number one.

This insurer also provides unique coverages for those who bundle. For instance, they have energy efficiency upgrade coverage under their home insurance policies. This pays up to 150% of any damaged heating or air conditioning unit and/or water heater under a covered loss in order to help you upgrade and get more energy-efficient replacements.

They also have rideshare insurance that ensures your policy’s protections extend to cover you when you are working for a rideshare company.

How to Find the Best Home Insurance in Indiana

To find the best home insurance companies in Indiana, homeowners have to evaluate insurers’ rates, service reputation and financial stability while ensuring all these factors are well-balanced. While MoneyGeek has gone through this process for you, you can also do the research yourself on other providers we may not have covered.

Below is a step-by-step to help you get started.


Research Customer Service Reputations in Indiana

Looking up the customer service reputation of a provider in Indiana can be time-consuming. This is why MoneyGeek did the work for you. However, if you’re looking for a company not listed in our evaluation, simply look up that provider’s J.D. Power satisfaction score and NAIC complaint ratios in your state. This may also be easier to do using Indiana’s Department of Insurance site.


Compare Quotes for Yourself

MoneyGeek gathered home insurance quotes in Indiana using sample homeowner profiles. However, this does not take into account your unique situation. Make sure to gather and compare quotes from at least three insurers to get an idea of how much insurance costs for you.


Make Sure the Company Has Coverages You Want in Indiana

Not all coverages and discounts are available in every state, which is why it’s important to ensure your desired provider offers the coverage you need in your area.


Double-Check Financial Stability Ratings

Before making your decision, check the financial strength rating of your desired insurer. This tells you how well-prepared they are to pay for any claims you make. While larger companies are financially stronger, regional insurance companies in Indiana may have ratings that are lower.

FAQs About the Best Home Insurance in Indiana

The best home insurance in Indiana depends on your needs. To give you a headstart, review the frequently asked questions below.


MoneyGeek scores for homeowners insurance in Indiana were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from AM Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.

MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Indiana that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Indiana. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $100,000, liability coverage of $100,000 and personal property coverage of $100,000.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.