What does home insurance cover in Indiana?
COUNTRY Financial Indiana home insurance policies help cover personal property, additional living expenses, the dwelling, other structures, liability and medical payments. Our policy includes:
- Personal property coverage
- Additional living expense coverage
- Dwelling coverage
- Other structures coverage
- Liability coverage
- Medical payments coverage
When thinking about home insurance, exploring various coverage types beyond the basics is essential. Here are some additional coverage options homeowners in Indiana should consider:
- Flood insurance
- Sump pump failure and sewer back up coverage
These optional coverages are designed to help address flood and sewer or sump pump back-up risk specifically, so whether they apply depends on whether they've been added to your policy. Indiana homeowners may be exposed to wind, hail and flood-related risks, which can be factors to consider when selecting coverage.
Learn more about our home insurance coverages.
Homeowners insurance discounts
We believe in making your insurance more affordable. That's why we offer a range of home insurance discounts1:
- Multi-Policy Discount: Bundle auto, home, or life insurance, or financial products for more significant savings, if applicable.
- Protective Devices Discount: Install alarms and security systems (fire, burglar, or automatic sprinklers) to qualify.
- Home Feature Discounts: Enhance your home and save with our Smart Home Discount and Backup System Discount.
- Reward Discounts: You may qualify for additional discounts such as a Welcome, Loyalty, Good Payer and more.
Ask your representative which discounts you may qualify for and what documentation, if any, is needed.
Read more about our homeowners insurance discounts.
How much is homeowners insurance in Indiana?
According to NerdWallet, a homeowners policy in Indiana averages around $2,985 annually.² Your actual premium depends on factors including:
- The value of your home
- The type of coverage you select
- Location
- Age
- Size
- Condition
- Claim history
...and many more.
Please note that these numbers are approximate, and your actual premium may vary. Contact one of our agents for a personalized quote tailored to your needs.
Is homeowners insurance required?
Indiana doesn't mandate homeowners insurance, but most mortgage lenders require a policy as a condition of your loan. Protecting your investment can help address potential risks.
Does COUNTRY Financial offer home insurance in Indiana?
Yes. COUNTRY Financial is one of the home insurance companies in Indiana, with an extensive state network. We serve homeowners in cities across the state.
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Indiana Home Insurance FAQs
Start a quote online or talk to one of our Indiana insurance agents, and we'll help you find home insurance coverage that works for you.
Yes. COUNTRY Financial offers home insurance discounts, including a Multi-Policy Discount, Protective Devices Discount, home feature discounts and reward discounts.
COUNTRY Financial serves homeowners across Indiana, including Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Hammond, Bloomington, Portage and Greensburg.
1Discounts and availability vary by state.
2 The Best Home Insurance in Indiana in 2026 - NerdWallet, March 2026. ©2014-2026 and TM, NerdWallet, Inc. All Rights Reserved.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
Home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company® or COUNTRY Preferred Insurance Company®, Bloomington, IL.
For product and service information, read our Terms & Conditions.