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Indiana Homeowners Insurance

Living in the Hoosier State

From Indy racing to basketball and sugar cream pie, Indianans have your own distinct version of living in the Midwest. If your home is along the Wabash near Lafayette or Terre Haute, up north in Gary, in the middle near Indianapolis or over by Muncie, wherever you live in Indiana Safeco offers insurance for your home in the Midwest. When considering home insurance coverage in Indiana, keep in mind how the climate and acts of nature in the Midwest have the ability to adversely affect your home, belongings and property. Get your Indiana home insurance quote today.

Indiana Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Indiana homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Indiana homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

For Indiana homeowners who need increased levels of protection for extensive assets and treasured belongings should consider Safeco Optimum™ offers a higher level of protection.

Safeco Ultra™

Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in Indiana.

Indiana Home Insurance Discounts

Safeco offers several ways for Hoosiers to lower your homeowners insurance bill.In addition to our standard , Indiana homeowners have even more opportunities to save.

Hail-Resistant Roofing

Save 10% on your Indiana homeowners insurance bill if your home is constructed with at least UL class 4 impact-resistant roofing.

Indiana Home Insurance Coverage Options

All Safeco homeowners insurance policies come packed with standard coverages to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Hoosiers have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Actual Cash Value on Roofing

Get a 5% credit on your basic premium when you select on roof damage caused by windstorms or hail.

Mine Subsidence Insurance

Abandoned coal mines throughout southwest Indiana, some dating back over 150 years and in long forgotten locations, pose threats to Indiana homes and communities. When an underground mine collapses, the ground surface settles into a trough or causes a sinkhole. Movement of the ground surface below your home can cause foundation and structural damage. Coverage for this type of damage is called mine subsidence coverage and is available in certain Indiana counties.

Earthquake Insurance

Earthquake damage coverage is available for Indiana frame and masonry veneer homes. Talk to your local Indiana Safeco insurance agent about adding earthquake coverage to your Indiana home insurance policy.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Indiana homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Indiana homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Indiana

Flooding in Indiana

Heavy spring rain and snowmelt are the main source of flooding throughout Indiana. In early spring, it’s possible for the ground to still be frozen, making it difficult for large amounts of water to be absorbed. With its large number of tributaries, rivers and streams, many Indiana communities are susceptible to flooding.

Is flood damage covered by home insurance in Indiana?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Earthquakes in Indiana

Though most ground shaking felt around Indiana originates from the neighboring New Madrid seismic zone, earthquakes are known to happen in the state as well. The magnitude 5.1 earthquake near Terre Haute that occurred in 1909 is the largest on record for Indiana.

Does home insurance cover earthquake damage in Indiana?

Earthquake damage is an optional coverage for Indiana homes that meet certain construction requirements. Talk to your local Safeco insurance agent about adding earthquake coverage for your Indiana home.

Winter Weather in Indiana

Common winter weather problems in the Midwest include frozen pipes, roof collapse from snow, falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that fall and damage your home

Is winter weather damage covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbingand personal belongings.

Indiana Tornadoes

Indiana had an average of 54 tornadoes touch down a year in the period between 1991 and 2010.

Does home insurance cover tornado damage in Indiana?

Your standard home insurance policy covers the cost to repair damage caused by a tornado.

Thunderstorms, Hail and Lightning

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Does home insurance cover lightning strikes and hail damage?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Wildfires in Indiana

Does home insurance cover wildfire damage in Indiana?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506