Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Muncie

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 Muncie 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.

10Reviewed

9Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1019 West Jackson Street, Muncie, IN 47305
  • Multiple Policy Types

Why choose this provider?

United Insurance Agencies is an independent agency based in Muncie that offers homeowners' insurance policies to clients in the area. Its policy can provide financial protection from property damages caused by natural disasters, personal injury liability, vandalism, and theft. It partners with carriers such as Central Insurance Companies, Safeco Insurance, GuideOne Insurance, and Progressive. The company's web platform provides self policy services to process forms for property loss claims and requests for existing insurance coverage declaration.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2991 North Oakwood Avenue, Muncie, IN 47304
  • Renter's Insurance

Why choose this provider?

Jason May - State Farm Insurance Agent has been providing homeowners insurance solutions since 1992. This Muncie-based insurance agent gives 24/7 support to clients who are looking for insurance coverage that protects their homes and other assets. State Farm's homeowners insurance policy covers damages caused by fire, lightning, wind or hail, theft, and vandalism. The policy also covers items inside the home, such as jewelry, collectibles, appliances, furniture, and other possessions. Jason also offers auto and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 W Jackson St, Muncie, IN 47305
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Pfenninger, Claxton, & Estelle Insurance Group provides insurance solutions throughout Muncie and nearby areas. Its professionals offer homeowners' insurance services to protect clients from paying for storm damage, dog bite liability and replacement costs. The policy can also apply to manufactured homes. The company's other insurance options include commercial property, cyber liability, farm and ranch, and group health insurance coverages. Pfenninger, Claxton, & Estelle Insurance Group has been in the industry since 1902.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
153 East 3rd Street, Marion, IN 46952
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Norris Insurance serves homeowners in the Muncie area. It offers various insurance options such as homeowner's liability, mobile home, renters, and condo insurance. The agents help with in-home business insurance, and their landlord's insurance policy covers damage to property or other structures from natural disasters and fire. The firm improves clients' homeowners or renters policy by including coverage options for valuable items such as jewelry, artwork, golf equipment, and collectibles. Other products provided by Norris Insurance include health and farm insurance.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
421 West 53rd Street, Anderson, IN 46013
  • Multiple Policy Types

Why choose this provider?

Since Roger Roudebush - State Farm Insurance Agent opened his practice in 1968, he has provided customers across the Muncie area with comprehensive and flexible insurance services. He offers many different levels of homeowners insurance for houses, apartments, and condominiums that help protect the homeowner from unfortunate events such as theft, vandalism, fire, or natural emergencies. In addition, Mr. Roudebush can insure jewelry, guns, boats, and motorcycles, in addition to providing all common types of policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (223)
Facebook
4.8 / 5 (17)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3409 W Bethel Ave, Muncie, IN 47304
  • Multiple Policy Types

Why choose this provider?

Martin Insurance is a family-owned and operated insurance company in Muncie that offers a range of commercial, personal, and agribusiness insurance products and services. Its homeowners' insurance comes with coverage options to protect clients' homes. A professional at this company can create a customized plan for additional coverage against theft or identity theft, floods, and special endorsements for valuable collections. Martin Insurance also provides health, life, and auto insurance policies and Medicare supplements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.8 / 5 (16)
Google
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2539 East 10th Street, Anderson, IN 46012
  • Renter's Insurance
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Gooding Brown & Company Inc. is a homeowner insurance agency in the Muncie area that helps homeowners find a solution that suits their needs and goals. Its agents provide a financial safety net to homeowners by offering insurance coverage on rental dwellings, condos, farms, and commercial trailers. The agency offers comprehensive home insurance by covering unforeseen incidents such as floods, fire, explosions, and earthquakes. Additionally, Gooding Brown & Company offers life, commercial, and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3040 West White River Boulevard, Muncie, IN 47304
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Indiana Farm Bureau Insurance has been providing insurance products and services throughout Muncie and the surrounding communities since 1934. Its team of local agents provides homeowners' insurance solutions that can safeguard the value of houses, condos, mobile homes, rental properties, and other structures. The company's home insurance policy covers liability, personal property, dwelling protection, and medical payments. Other insurance options include farm and crop, workers' compensation, return of premium life, and final expense coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.2 / 5 (13)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
311 South Walnut Street, Muncie, IN 47305
  • Multiple Policy Types

Why choose this provider?

George Insurance Group is a homeowners' insurance agency servicing the Muncie area. The company's insurance professionals seek to understand homeowners' needs, walk clients through different coverage options, and help them choose appropriate coverage packages. This financial coverage includes compensation for home and property damage or losses from fire and disasters and injury-related liability claims. They also provide consultations to guide homeowners on the insurance process. George Insurance Group also offers life, renters, aviation, and commercial insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (6)
Google
4.8 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • Does your homeowner's insurance policy in Muncie cover damage to underground utility/service lines, such as internet and water lines?

    No, coverage for underground utility lines is not included in standard homeowners’ insurance policies. It’s a separate coverage you can choose to add to your policy. As homeowners in Muncie are responsible for service lines running from their residence to the property line, it is advisable to purchase this coverage.

  • Can you claim payment for termite damage repair from your homeowners’ insurance policy in Muncie?

    Coverage for termite damage is generally not included in homeowners’ insurance policies. Termite damage is preventable and takes a period of time to occur. Homeowners’ insurance only pays for repairs of sudden or accidental events; therefore, it does not pay for termite damage. It is recommended to have the Muncie property you intend to purchase or insure inspected for vermin to determine the likelihood of termite damage.

  • Can renovating your home in Muncie affect your homeowners’ insurance costs?

    Yes. Your premium is based on the cost of rebuilding your house. So, a renovation that increases your property's value or square footage, such as a room addition, new roof installation, or swimming pool, may raise your premium. The period of renovation also increases risks in your house. Before starting construction, check with your Muncie insurance agent if you have enough liability coverage or if additional coverage is needed to handle expenses if someone gets injured.

  • Are belongings for your home-based business covered under your homeowners’ insurance policy in Muncie?

    Some damage to business property within your home may be covered, but only to a limited extent. Clarify this matter with your Muncie insurance agent and discuss extra coverage you may need to protect your enterprise. Some business-related endorsements that you can consider adding to your homeowners’ insurance policy are equipment breakdown, personal cyber insurance, and identity theft coverage.

  • How can you save on homeowners’ insurance costs in Muncie?

    First, get quotes for the coverage you want from multiple insurance agencies in Muncie to find the most favorable price and see discounts you can take advantage of. Many insurers give discounts for veteran and student homeowners and houses with updated or safety features, such as storm windows, home security systems, and modern electrical and plumbing systems. Lastly, check if you can afford a higher deductible. Raising your deductible will instantly reduce your premium.

  • 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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