Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Bloomington

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bloomington Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

54Reviewed

35Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

135 North Gates Drive, Bloomington, IN 47404

Expertise.com Rating

Why choose this provider?

Lindsay Schnarr - State Farm Insurance Agent assists clients in Bloomington and neighboring communities as they seek appropriate coverage to fit their lifestyle and budget. She helps clients protect their homes, gardens, and personal assets in an event of damage from lightning, wind, hail, freezing of a plumbing system, fire, theft, vandalism, and other random acts or unfortunate events. The initial quotes are available for free, anytime. In addition, clients can consult Ms. Schnarr for mutual funds and annuities.

  • Multiple Policy Types

3939 South Walnut Street, Bloomington, IN 47401

Expertise.com Rating

Review Sources

Google
4.9 (54)

Why choose this provider?

Gredy Insurance Agency is an Indiana insurance agency serving clients in Bloomington and the surrounding areas. It provides customized homeowners' insurance policies written by seasoned agents. The agents collaborate with clients in building their homeowners' insurance coverage to ensure that all aspects, needs, and requirements for their property protection are taken into consideration. The agency also provides other insurance products, such as auto, life, business, and pet insurance. Gredy Insurance Agency maintains offices in Bloomington and Mitchell.

  • Multiple Policy Types

642 N Madison St, Bloomington, IN 47404
WebsiteLicense: 3617300

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Flynn Insurance Advisors serves clients in Bloomington and the surrounding areas. Using a concierge approach, the company represents over 20 insurance carriers, allowing its agents to shop and compare policies for homeowners. They also have specialized programs for landlords and high-net-worth Individuals that have homes and rental properties in multiple states, including vacation/short-term rentals. Flynn Insurance Advisors has over 15 years of experience in the industry and also provides commercial and personal insurance programs along with life insurance.

459 South Landmark Avenue, Bloomington, IN 47403

Expertise.com Rating

Review Sources

Google
4.5 (8)
Yelp
4.5 (2)

Why choose this provider?

Bloomington Insurance Agency is a local and family-owned independent insurance agency that provides homeowners insurance and other insurance products to those who are looking for ways to protect their homes. Homeowners insurance can be for clients who own a house or are renting a property like an apartment. This insurance covers personal property and personal legal liability. The agency presents its clients with comparative homeowners insurance quotes to allow them to choose the best possible policy for their needs and budget.

  • Multiple Policy Types

1507 North Main Street, Franklin, IN 46131

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Campbell Insurance is a family-owned agency with over 35 years of experience providing homeowner's insurance to clients in Bloomington and surrounding areas. Its home policies cover assets, whether the client owns or rents the dwelling, and include replacement of personal property in the event of a disaster as well as coverage if someone is injured on the property. Campbell Insurance works with many insurance carriers that offer award-winning services at competitive prices.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

115 E 2nd St, Bloomington, IN 47401

Expertise.com Rating

Review Sources

Google
4.8 (28)

Why choose this provider?

A1 Auto Insurance Agency, LLC, offers support to Bloomington area residents that seek home insurance policies that cover their unique situations. The agency works to ensure financial protection for damages to properties and possessions that result from disasters such as floods and earthquakes. A1 Auto Insurance Agency also handles insurance needs involving personal liabilities and ongoing mortgage loans. The firm was founded by Starla Johnson and has been in the insurance services industry since 1996.

  • Personal Property Insurance
  • Multiple Policy Types

68 Main Street, Bargersville, IN 46106

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (6)

Why choose this provider?

Inabnitt Agency Inc. is a family-formed insurance agency that has been operating since 1962. It offers several types of insurance coverage, including homeowner's, auto, life, and health. Its agents are committed to helping clients choose the best homeowner's insurance coverage options to fit their needs. The agency offers commercial insurance, including business, group health, and umbrella coverage. Additionally, Inabnitt Agency has a dedicated real estate program to help with buying and selling property.

  • Multiple Carriers
  • Multiple Policy Types

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How should Bloomington homeowners choose home insurance?

    First, a homeowner must determine the type of coverage that is appropriate for their situation. They can select from a number of options for varying levels of protection. They must then consider their budget and compare multiple insurance providers for the best rates. Finally, Bloomington homeowners should buy insurance from a company that is licensed in the state, reputable, and in good financial standing.

  • Is sewer backup damage covered under a standard Bloomington homeowner's insurance policy?

    No, you would need to add water damage insurance to your standard homeowner's insurance policy. A rider or endorsement can now provide coverage for sewer backup damage. Clogged pipes, tree roots, municipal sewer failure, and excessive rain are all causes of sewer backup. Call the Bloomington Utilities Division at 952-563-4568 for more information on the city's sewer system.

  • How can a policyholder in Bloomington provide more coverage for expensive items with their current homeowner's insurance policy?

    Policyholders in Bloomington can add Scheduled Personal Property (SPP) insurance to their existing homeowner's insurance policy. More expensive items, such as cameras, golf equipment, firearms, and jewelry, may be covered more comprehensively by the SPP. Under standard policies, each of these items may only be covered up to $1,000 to $2,000.

  • Will your Bloomington homeowner's insurance premiums increase when you file a claim?

    Yes, it will usually increase each time you file a claim in Bloomington. Premiums are expected to rise by up to 29% for the first claim and up to 60% for the subsequent one. Claim history, amount, and type are all factors that influence premium increases. Take note that the record of your claims is typically kept for five years.

  • What should you consider when choosing a dwelling coverage for your home insurance in Bloomington?

    You should first determine how much it will cost to rebuild or repair your Bloomington home if it is completely or partially damaged. Take note that the state's minimum coverage begins at $100,000, with a corresponding average premium of $1,329 per year. A million-dollar home in Indiana will cost an average of $7,423 per year to insure. You must also consider the current prices of building materials and labor costs. Consultation with an appraiser is a good way to get an accurate estimate.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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