Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lafayette

Our Recommended Top 9

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 Lafayette 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.

49Reviewed

33Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

130-A Professional Court, Lafayette, IN 47905

Expertise.com Rating

Review Sources

Google
4.6 (34)
Facebook
5.0 (7)

Why choose this provider?

Collicott Insurance has been providing insurance products and services in Lafayette and nearby communities for more than 40 years. The company assists individuals and families in safeguarding their homes and personal belongings against unfortunate events, including fires, storms, vandalism, theft, and accidents within the property. Its agents guide customers in choosing the right insurance policy, evaluating plans from different carriers and identifying coverage needs. Other offerings include auto, farm, life, health, and business insurance plans. The company serves clients throughout Louisiana.

  • Multiple Policy Types

935 Indiana 25, Lafayette, IN 47909

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Reese Insurance Agency has provided homeowners in Lafayette with insurance solutions for more than eight years. The independent agency represents multiple carriers to deliver personalized coverage at competitive rates. Principal agent Peggy Reese evaluates individual needs to help ensure each policy adequately covers the dwelling and personal possessions against such events as fire and plumbing disasters. Liability coverage is available to protect clients in the event of guest injuries. Reese Insurance Agency also covers secondary homes, condos, and farms.

  • Multiple Carriers
  • Multiple Policy Types

817 South Washington Street, Crawfordsville, IN 47933

Expertise.com Rating

Review Sources

Google
4.8 (45)

Why choose this provider?

Chad Budreau is a State Farm agent providing homeowners insurance options near Lafayette. Mr. Budreau offers personalized solutions for coverage on primary and secondary homes, condos, manufactured homes, and farms. He determines adequate replacement value for the dwelling and personal possessions as well as liability coverage for guests' injuries incurred while on the property. State Farm covers unforeseen events, such as fire, plumbing or sewer line backups and theft or vandalism.

  • Multiple Policy Types

750 Park East Boulevard, Lafayette, IN 47905

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (5)

Why choose this provider?

Angie Whitlock is a Brightway Insurance agent. The independent agency represents a variety of top carriers to deliver homeowners in Lafayette personalized insurance options. Ms. Whitlock utilizes her 20 years in the insurance industry to provide clients with appropriate coverage for their primary and secondary dwellings as well as personal possessions, such as jewelry, camera equipment, firearms, and collectibles. Brightway Insurance also covers condo owners and renters. The company's other policies include auto and life.

  • Fire
  • Flood

3111 Builder Drive, Lafayette, IN 47909

Expertise.com Rating

Review Sources

Google
4.9 (60)
Facebook
4.9 (22)
Yelp
5.0 (1)

Why choose this provider?

Lafayette Insurance carries a line of personal insurance products, including homeowners' insurance. The agency creates insurance policies tailored for homeowners' needs. Its team offers home insurance plans that include dwelling coverage, personal liability coverage, and personal property coverage. The insurance professionals also provide optional protection for identity recovery and valuable possessions such as jewelry and antiques. Aside from these, Lafayette Insurance offers financial protection for owners of mobile homes. Its other personal insurance services include farm insurance, boat insurance, and life insurance.

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

803 South 18th Street, Lafayette, IN 47905

Expertise.com Rating

Review Sources

Google
4.3 (51)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Blevins Insurance Agency Inc. offers property damage coverage for homeowners in Lafayette. Beyond securing a client's dwelling from hazards such as weather conditions or theft, the company provides policy options that also cover detached structures such as garages and select personal valuables. It offers liability protection against property damage or injury claims from others and medical expenses for the affected parties. Founded in 1998, the company's other lines of insurance include auto, life, and commercial.

  • Multiple Policy Types
  • Multiple Carriers

3990 State Road 38 East, Lafayette, IN 47977

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (10)

Why choose this provider?

Founded in 1865, Underwood Insurance Agency, Inc. is a multi-insurance line company that offers property damage coverage for homeowners in Lafayette. Whether clients are affected by fires or theft, the company's home insurance covers common perils that have damaged dwellings, detached structures, and select personal property such as electronics. It also covers additional living expenses in the event of complete loss, liability protection against claims of injury or property damage by others, and medical expenses for the affected parties.

  • Multiple Policy Types
  • Multiple Carriers

2606 Veterans Memorial Parkway South, Lafayette, IN 47909

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (29)

Why choose this provider?

Jenna Isch is a Farmers Insurance Group agent operating in Lafayette since 2009. She offers homeowners and renters insurance coverages for personal property and floods. She also provides insurance coverage for landlords, condos, mobile homes, and manufactured homes along with coverage in the event of identity theft. Jenna Isch works on Greater Lafayette Commerce's Small Business of the Month Committee and is also a member of the Association of Women Business Owners

  • Personal Property Insurance
  • Multiple Policy Types

2812 Main Street, Lafayette, IN 47904

Expertise.com Rating

Review Sources

Google
4.8 (16)
Facebook
5.0 (4)

Why choose this provider?

RME Insurance is an independent insurance agency serving clients living in Lafayette. Its professionals help clients to review and select the best homeowners insurance options that will cover a variety of disasters including fire, burglary, and pipe bursts. The company's policy can insure clients against loss of valuable personal possessions such as collectible cars. Coverage for medical expenses of injured guests and loss of use is also available under the policy. RME Insurance covers the personal liabilities of policyholders.

  • Renter's Insurance

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.
  • Is homeowners' insurance required in Lafayette?

    Homeowners in Lafayette, Indiana are not required by law to have homeowners insurance. Mortgage lenders, on the other hand, frequently require borrowers to obtain home insurance before granting a mortgage. Although it is not a legal requirement, the lack of insurance may hold you solely responsible for addressing damages and losses. As a result, obtaining insurance becomes a prudent decision to protect their investment and financial well-being.

  • What does Lafayette homeowners' Coverage A include?

    Coverage A primarily pays for the cost of completely rebuilding their home in Lafayette, taking current construction costs into account. This coverage should not include the value of the land and should not be based on the market value of the home or the initial purchase price. Instead, it should reflect the cost of rebuilding the home with materials specifically purchased to ensure comprehensive protection for the physical structure.

  • What is the general coverage homeowners' insurance in Lafayette?

    Homeowners' insurance in Lafayette covers five major categories. It includes property damage, which covers repairs to the home and other structures. Personal property insurance covers the loss of valuable items due to theft or damage. Liability coverage handles claims involving bodily harm or property damage to others. Non-residents who are injured on the property are covered for medical expenses. Finally, living expenses coverage assists with temporary housing and food when the home becomes uninhabitable due to a covered event.

  • What types of hazards are excluded from the homeowners' insurance policies offered in Lafayette?

    Lafayette homeowners' insurance policies exclude coverage for a variety of hazards, such as earthquakes, floods, sewer line problems, terrorist acts, and deterioration. These exclusions indicate that standard policies do not cover damage or losses resulting from these specific perils. However, depending on their needs and circumstances, homeowners can purchase endorsements or separate policies to cover some of these risks.

  • In Lafayette, how do you reduce your monthly premium?

    Individuals in Lafayette can lower their monthly premiums by carrying a higher deductible. Policyholders can lower their monthly insurance costs by increasing their deductible. This strategy is especially useful when homeowners believe the likelihood of filing a claim is low, making it a wise decision to accept a higher financial risk in exchange for lower premium payments.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.