Best Homeowners Insurance in Indiana (2025)

Auto-Owners is Indiana's standout home insurance company for its superior balance of cost and quality. American Family, though, offers unbeatable affordability in the state. Additionally, American Family is optimal for those with high-value properties seeking cost-effective options.

Unless otherwise noted, we used a $100,000 dwelling coverage limit to collect quotes. Your dwelling coverage amount significantly impacts your premium. MoneyGeek also analyzed the cheapest home insurance in Indiana if cost is your primary consideration, regardless of service quality.

Auto-Owners offers the best home insurance in Indiana, with an exceptional MoneyGeek score. For homeowners looking to secure their property, take a look at the best overall homeowners insurance providers in Indiana below.

• Auto-Owners: MoneyGeek score of 93 out of 100 ($1,305 per year)
• American Family: MoneyGeek score of 93 out of 100 ($815 per year)

In Indiana, homeowners can choose from a range of companies, each offering unique cost and service experiences.

Auto-Owners is the best provider of home insurance in Indiana based on service quality. Homeowners searching for top-notch service can consider the best providers listed below.

• Auto-Owners: MoneyGeek score of 97 out of 100 ($1,305 per year)
• American Family: MoneyGeek score of 87 out of 100 ($815 per year)

Valuing service quality means prioritizing customer support, claims handling and overall satisfaction.

American Family stands as the top contender for affordable homeowners insurance in Indiana, catering to budget-conscious homeowners. Our analysis points to the providers listed here as the leading options that combine value and cost-effectiveness.

• American Family: MoneyGeek score of 95 out of 100 ($815 per year)
• State Farm: MoneyGeek score of 92 out of 100 ($1,038 per year)

With an affordability score of 75 out of 75, American Family offers the most competitive rates in Indiana. However, the cheapest premiums don't always equate to the best service. When considering the average cost of home insurance in Indiana, it's crucial to choose a provider that delivers a balance of economical pricing and reliable service.

American Family stands out as the top insurer in Indiana for those with expensive homes needing $1 million in dwelling coverage. This provider, alongside Auto-Owners, is the leading choice for comprehensive protection of high-value properties.

• American Family: MoneyGeek score of 90 out of 100 ($4,051 per year)
• Auto-Owners: MoneyGeek score of 85 out of 100 ($7,969 per year)

American Family boasts an impressive affordability score of 51 out of 55, which is crucial when insuring costly homes.

Auto-Owners offers the best home insurance in Indiana for those with new homes. Take a look at the best and cheapest homeowners insurance providers in Indiana for those with new homes below:

• Auto-Owners: MoneyGeek score of 87 out of 100 ($2,307 per year)
• Nationwide: MoneyGeek score of 80 out of 100 ($1,131 per year)

Auto-Owners Insurance stands out with an affordability score of 42 and a customer service score of 30, presenting Indiana homeowners a strong equilibrium between cost efficiency and reliable service.

For veterans, USAA stands out as the premier home insurance provider in the state, exclusively serving members of the military community. Their annual premium is priced at $993. Protection for Indiana's brave is exemplified by the leading providers highlighted below.

• USAA: MoneyGeek score of 92 out of 100 ($993 per year)
• Auto-Owners: MoneyGeek score of 83 out of 100 ($1,305 per year)

The best homeowners insurance for veterans caters to their specific lifestyle, addressing challenges such as frequent relocations and deployments, and thereby reliably securing their homes and personal items.

The best homeowners insurance providers offer quality customer service and comprehensive coverage at a competitive premium. Finding the optimum insurance for your home hinges on your specific coverage needs, budget constraints and preferences in customer service. The following steps can guide you in finding the best homeowners insurance.

Finding the best homeowners insurance provider in Indiana hinges on your individual coverage requirements and priorities. To help you with this decision, we've compiled a list of frequently asked questions about the best homeowners insurance providers.