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2024

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Best Homeowners Insurance Agencies in Carmel, IN

Our Recommended Top 13

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Carmel 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.

63Reviewed

43Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

600 East Carmel Drive, Carmel, IN 46032

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
4.7 (28)

Why choose this provider?

Penwell Insurance is an independent agency in Carmel that helps homeowners, renters, and businesses find the right insurance coverage from top insurance carriers. It offers home insurance policies that cover personal property destroyed in a fire or other disaster, as well as personal injury lawsuits. The agency has home insurance coverage for vacant land, rental homes, and condos. Additional insurance plans offered by Penwell Insurance include life, auto, marine, and worker's compensation.

  • Fire
  • Multiple Policy Types

7007 Graham Road, Indianapolis, IN 46220

Expertise.com Rating

Why choose this provider?

Binford Insurance is a local agency with a team of insurance brokers near Carmel who provide various insurance plans that meets the customer's needs and budget. Its home insurance packages help protect homes from common risks, such as fire, windstorms, theft, vandalism, and other events. Its brokers offer renters insurance that safeguards apartment renters' personal property from damages and theft. Binford Insurance also has insurance policies available for cars, boats, RVs, and small retail businesses.

  • Multiple Policy Types

120 North Lebanon Street, Lebanon, IN 46052

Expertise.com Rating

Review Sources

Facebook
4.9 (112)
Google
4.8 (78)

Why choose this provider?

WalkerHughes Insurance is a local insurance agency near Carmel with years of experience helping homeowners and businesses choose the right insurance coverage. It offers various home insurance policies to protect homes from damaging events, such as fire, theft, windstorms, vandalism, and injuries. The agency has condo insurance that covers the owner's personal belongings and any physical injuries to people. WalkerHughes Insurance also provides additional insurance coverage for autos, boats, farms, and restaurants.

  • Condos

6329 Hollister Drive, Indianapolis, IN 46224

Expertise.com Rating

Why choose this provider?

Founded in 1948, McClain Matthews Insurance is a family-owned agency near Carmel that provides a variety of insurance services to individuals and businesses. It works with several top insurance carriers to create home insurance policies that protect homes and their contents against losses due to fire, theft, and other hazards. The agency offers business insurance packages that cover damages to vehicles, machinery, and equipment. McClain Matthews Insurance also has insurance policies to protect small or large contractors.

  • Personal Property Insurance
  • Multiple Policy Types

580 E Carmel Dr 209, Carmel, IN 46032

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

The Schindel Agency, LLC - Nationwide Insurance Agent is a leading personal auto and homeowners insurance provider in Carmel that serves IL, IN, OH, MI, and other states. With 26 years of industry experience, it provides home insurance plans to properly protect the homes and belongings. The policy includes customized coverage programs such as Brand New Belongings, which allow policy owners to receive the cash value of their possessions. The Schindel Agency also offers comprehensive car insurance with additional protection.

  • Personal Property Insurance
  • Multiple Policy Types

70 East 91st Street, Indianapolis, IN 46240

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (2)

Why choose this provider?

Central Insurance Associates serves the Canton metro area and sells homeowners insurance to protect clients from losing significant amounts of money if their homes are damaged or destroyed. These policies can cover repair expenses, medical costs, and loss of use expenses and protect clients from personal liability. This independent agency presents clients with a multitude of offers presented by associated carriers so they can compare and select the best policies for their circumstances.

  • Renter's Insurance
  • Multiple Policy Types

9100 Keystone Crossing, Indianapolis, IN 46240

Expertise.com Rating

Review Sources

Google
4.9 (45)
Facebook
5.0 (12)

Why choose this provider?

Steffey Insurance safeguards the properties of Carmel homeowners from disasters and accidents. This homeowners' insurance agency protects a client's house, along with the other structures in the property, such as guesthouses and fences. It secures the contents of the home, including the furniture and electrical appliances. Clients may also opt to secure any valuables, such as jewelry, collectible art, and cars. It also covers the medical expenses of a guest injured within the premises. Steffey Insurance has been servicing the community since the 1970s.

  • Condos
  • Multiple Policy Types
  • Earthquake

14801 Market Center Drive, Carmel, IN 46033

Expertise.com Rating

Review Sources

Google
4.7 (21)
Yelp
5.0 (1)

Why choose this provider?

Hittle Insurance is a Carmel-based independent insurance agency established in 2010 to help individuals and families with their insurance needs. One of the services the agency offers is looking for the right homeowners' insurance for its clients. The agency's home insurance specialists can also customize the package to suit their clients' requirements. They also educate clients on the various insurance coverages, for better-informed decision-making over policies. Hittle Insurance serves the whole of Indiana and Illinois.

  • Multiple Policy Types

2421 Production Drive, Indianapolis, IN 46241

Expertise.com Rating

Why choose this provider?

Merritt Hall Insurance is an agency whose team of insurance brokers near Carmel have years of experience creating personal and commercial insurance packages. It offers home insurance policies to cover property losses due to damages caused by fires, hail, sewer backups, vandalism, and windstorms. For apartment renters, the agency has renter's insurance that covers the replacement costs of their personal belongings in the event of fire damage or theft. Merritt Hall Insurance also provides health, auto, and farm insurance.

  • Renter's Insurance
  • Condos

1464 South State Road 135, Greenwood, IN 46143

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

Morgan Insurance Group helps residents in the Carmel area choose the right coverage for their life, business, and property. Its agents provide renter's insurance policy to safeguard the personal property in rented apartments, condos, or homes. The company's homeowners insurance also covers mobile homes, townhouses, and single-family houses from financial losses, which may be caused by theft, fire, or accidents. Condo insurance policies are also available to protect client's possessions from destruction.

  • Renter's Insurance
  • Condos

160 West Carmel Drive, Carmel, IN 46032

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Patriot Insurance & Risk Management is an independent insurance agency in Carmel that has been providing a full spectrum of insurance products for over 15 years. It works with clients who are in need of homeowners insurance to protect their investments and valuables. The policy also has a liability protection feature. Other personal insurance options include umbrella, flood, earthquake, and valuable article insurance. For the protection of vacant and high-value homes, Patriot Insurance & Risk Management also has coverage options available.

  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake

1905 South New Market Street Suite 158, Carmel, IN 46032

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

The DeRoss Insurance Agency is a local independent insurance agency based in Carmel. The business specializes in insurance products that fall under life, home, business, and auto. The agents personally go to customers' residences to further give personalized service and solutions to their insurance needs. The company has been helping homeowners in protecting their homes and assets with comprehensive homeowner's insurance since 1925. The home insurance's coverage is determined through named-perils policy and all-risk policy.

  • Multiple Policy Types

8604 Allisonville Road, Indianapolis, IN 46250

Expertise.com Rating

Review Sources

Google
4.5 (6)
Facebook
5.0 (3)

Why choose this provider?

A.I. King Insurance Agency is an independent insurance agency that provides assistance to Carmel residents when looking for the right homeowners insurance for them. The agency's team of professional agents searches the insurance market and presents the best insurance options that suit their clients' needs and budget. They present them with comparative insurance rates to guide them in making their decision. Serving all of Indiana, A.I. King Insurance Agency also offers other insurance solutions like auto, business, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Penwell Insurance
600 East Carmel Drive, Carmel, IN 46032
Binford Insurance
7007 Graham Road, Indianapolis, IN 46220
WalkerHughes Insurance
120 North Lebanon Street, Lebanon, IN 46052
McClain Matthews Insurance
6329 Hollister Drive, Indianapolis, IN 46224
The Schindel Agency, LLC - Nationwide Insurance Agent
580 E Carmel Dr 209, Carmel, IN 46032
Central Insurance Associates
70 East 91st Street, Indianapolis, IN 46240
Steffey Insurance
9100 Keystone Crossing, Indianapolis, IN 46240
Hittle Insurance
14801 Market Center Drive, Carmel, IN 46033
Merritt Hall Insurance
2421 Production Drive, Indianapolis, IN 46241
Morgan Insurance Group
1464 South State Road 135, Greenwood, IN 46143
Patriot Insurance & Risk Management
160 West Carmel Drive, Carmel, IN 46032
The DeRoss Insurance Agency
1905 South New Market Street Suite 158, Carmel, IN 46032
A.I. King Insurance Agency
8604 Allisonville Road, Indianapolis, IN 46250

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.
  • What percentage of a Carmel homeowners' insurance policy does the law and ordinance cover?

    A law and ordinance coverage in a homeowners' plan can cover up to 50% of the costs of repairing or rebuilding a home in compliance with updated building codes in Carmel. This coverage is particularly relevant when a home has suffered a significant loss because of fire, flood, or other covered perils.

  • What should Carmel residents discuss with their agents when renewing their homeowners' insurance policies?

    When renewing their policies, Carmel homeowners must discuss relevant issues with their insurance agents, including significant life changes. These include getting married, having a child, or filing a divorce. To get the most out of their homeowners’ insurance policies, residential property owners can also inquire about current policy coverages, limitations, and exclusions.

  • Which determines the amount of homeowners' insurance coverage required in Carmel, the home's market value or the replacement cost value?

    In Carmel, it is important that the homeowners' insurance coverage align with the replacement cost value rather than the residence's market value. The replacement cost value refers to the expenses associated with rebuilding the home, considering the prevailing costs of labor and materials in the current construction market.

  • Can Carmel residents incorporate homeowners’ insurance costs into their mortgage payments?

    Yes. Residents of Carmel have the option to bundle the cost of homeowners' insurance with their mortgage payments. Most lenders make it a prerequisite for borrowers to have adequate homeowners' insurance, which is included in their monthly mortgage payments. For those who prefer to manage their payments separately, insurance agents provide convenient methods to pay for homeowners' insurance separately.

  • What types of losses do Carmel homeowners insurance policies not cover for property damage?

    Homeowners’ insurance policies in Carmel exclude several causes of property damage loss, including HVAC system freezing. Other sources of loss not included in a homeowners’ insurance policy for property damage include wear and tear, smog or rust, and vandalism when the residential property is vacant for more than 30 consecutive days.

  • 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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