Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Evansville, IN

Our Recommended Top 11

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 Evansville 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.

76Reviewed

50Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1015 Oak Hill Road, Evansville, IN 47711

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (2)

Why choose this provider?

River City Insurance has been helping clients by providing a variety of insurance options since 1925. This agency is a team of independent agents serving Evansville and the surrounding regions. The business provides homeowners' insurance solutions to cover the losses and damages to clients' homes. Other insurance options include workers' compensation, general liability, mortgage protection, and individual life. Some of the company's insurance carriers include Foremost Insurance Group, Erie Insurance, and Bristol West Insurance Group.

  • Renter's Insurance
  • Multiple Policy Types

2015 Stringtown Road, Evansville, IN 47711

Expertise.com Rating

Review Sources

Google
4.0 (10)
Facebook
3.7 (3)

Why choose this provider?

Gaslin Insurance Agency is an independent insurance agency in Evansville that specializes in homeowners' insurance. It offers 24/7 personal support to help clients choose the policy with the right coverage. This agency aims to connect homeowners with preferred insurance companies for financial protection against disasters. A standard policy covers both damage to the property and the client's liability. Gaslin Insurance Agency also offers a range of auto, business, motorcycle, life, and health insurance policies.

  • Fire
  • Multiple Policy Types

32 North Weinbach Avenue, Evansville, IN 47711

Expertise.com Rating

Review Sources

Facebook
4.2 (10)
Google
4.2 (5)

Why choose this provider?

Schultheis Insurance is a multi-line coverage agency that offers homeowners' policies in Evansville. A family-owned business since 1944, its home insurance programs cover hazards such as fires, storms, floods, and theft. It secures damage costs not only to the affected dwelling but also select valuables and structures such as sheds, garages, and storage areas. The policies also include liability protection for injured parties on a client's premises. Schultheis also offers policies to clients renting their living space.

  • Flood
  • Multiple Policy Types

1137 West Mill Road, Evansville, IN 47710

Expertise.com Rating

Review Sources

Google
5.0 (111)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Paulson Insurance is a personal insurance company that has been serving the Evansville metro area since 2010. The firm provides homeowners insurance policies to owners of private homes, apartments, and condominiums. Its licensed agents assist customers in choosing the right homeowners coverage akin to their needs. These include property or dwelling coverage, personal liability, medical coverage, additional living expenses, and high-value asset insurance. Other insurance offerings include auto, health, life, and business. The company represents 12 top-rated insurance carriers throughout Indiana.

  • Fire
  • Multiple Policy Types

11 Vann Avenue, Evansville, IN 47714

Expertise.com Rating

Review Sources

Google
4.9 (103)

Why choose this provider?

Vicki Brasel is a licensed State Farm insurance agent based in Evansville who has years of experience assisting clients looking for home insurance that will provide coverage against the most common disasters, such as storm damage, and other common home problems, such as burst pipes. Ms. Brasel can also discuss additional coverage to help with repair and replacement costs of personal items and potential liability claims should a visitor be injured on the client's property.

  • Multiple Policy Types

2305 West Michigan Street, Evansville, IN 47712

Expertise.com Rating

Why choose this provider?

Double Eagle Insurance is an independent agency based in Evansville that's partnered with many insurers so it can offer clients a range of policies suitable for almost any need. Its home insurance products can cover clients in the event of natural disasters, as well as unexpected costs, such as a tree on their property causing damage to a neighbor's. The agency can also offer a range of personal and business policies.

  • Fire
  • Multiple Policy Types
  • Flood

809 S Green River Rd, Evansville, IN 47715

Expertise.com Rating

Review Sources

Google
4.5 (129)

Why choose this provider?

Operating from two locations in Evansville, the licensed agents at Hartke Insurance can offer clients a choice of policies from more than 25 of the nation's biggest insurance companies. Since the agency started in 1948, it's helped many clients get home insurance that provides adequate coverage for their needs with affordable premiums. Additionally, they can discuss extra coverage, such as liability if a visitor is injured in their homes and replacing valuable items, such as art.

  • Renter's Insurance
  • Multiple Policy Types

201 East Diamond Avenue, Evansville, IN 47711

Expertise.com Rating

Review Sources

Google
4.6 (25)
Facebook
5.0 (9)

Why choose this provider?

Hahn Insurance Agency is a family-owned and operated independent agency based in Evansville that's been serving personal clients in the surrounding communities since 2012. Its agents share more than 60 years of combined experience, particularly in tailoring home insurance policies that provide the coverage their clients need with premiums they can afford. Typical policies include coverage from natural disasters and unforeseen accidents, such as overflowing appliances. Additionally, the policies can cover liability claims.

  • Earthquake
  • Multiple Policy Types

5401 Vogel Road, Evansville, IN 47715

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Field & Main Insurance Agency has been delivering quality personal insurance products and services in Evansville and nearby areas for more than a century. Operating since 1885, the company helps residents in securing their homes and personal investments in times of unwanted perils through a homeowners insurance policy. Its licensed agents work with several carriers to build a customized policy that can cover structural damages, lost or stolen personal items, owner's liability, and other coverages. The company also focuses on auto, life, business, and employee benefits insurance plans.

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

981 South Kenmore Street, Evansville, IN 47714

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (21)

Why choose this provider?

Tri-State Insurance Group is an Evansville-based independent insurance agency. Founded in 1929, the company represents multiple insurance carriers that offer a wide range of insurance policies including homeowners' insurance, auto insurance, business insurance, and life insurance. Its agents are well-versed in presenting homeowners' insurance policy options that can cover a client's property, its surroundings, or its contents. These professionals also help clients determine if they need additions such as general liability insurance or casualty insurance.

  • Multiple Policy Types

2001 West Franklin Street, Evansville, IN 47712

Expertise.com Rating

Review Sources

Google
4.5 (49)
Facebook
5.0 (4)

Why choose this provider?

A State Farm insurance agent since 1982, Martin Woodruff helps people from Evansville find the right insurance policies that will suit them and their lifestyle. One of the insurance products Martin offers is homeowners' insurance. He makes sure that his clients will have a policy that contains sufficient coverage and will be useful in many situations. Martin and his team also assist clients with auto, health, and life insurance as well as their financial services.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
River City Insurance
1015 Oak Hill Road, Evansville, IN 47711
Gaslin Insurance Agency
2015 Stringtown Road, Evansville, IN 47711
Schultheis Insurance
32 North Weinbach Avenue, Evansville, IN 47711
Paulson Insurance
1137 West Mill Road, Evansville, IN 47710
Vicki Brasel - State Farm Insurance Agent
11 Vann Avenue, Evansville, IN 47714
Double Eagle Insurance
2305 West Michigan Street, Evansville, IN 47712
Hartke Insurance
809 S Green River Rd, Evansville, IN 47715
Hahn Insurance Agency
201 East Diamond Avenue, Evansville, IN 47711
Field & Main Insurance Agency
5401 Vogel Road, Evansville, IN 47715
Tri-State Insurance Group
981 South Kenmore Street, Evansville, IN 47714
Martin Woodruff - State Farm Insurance Agent
2001 West Franklin Street, Evansville, IN 47712

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 factors determine the cost of homeowners' insurance in Evansville?

    In Evansville, several personal and property-related factors determine the cost of homeowners' insurance. Insurance companies assess risk by examining an individual's credit rating, criminal record, insurance claim history, occupation, marital status, and age. As for the property, insurers evaluate the home's construction material, size, age, and proximity to emergency services. Additional features, like deadbolt locks or smoke detectors, may reduce costs, while elements like pools or certain pets could increase them. Home businesses can also influence rates.

  • What types of damages are generally excluded from standard homeowner's insurance in Evansville?

    In most standard homeowner's insurance policies in Evansville, one will find exclusions for damages stemming from events like wars and nuclear incidents, deliberate acts of destruction, seismic activities, everyday deterioration, and water-related inundations. It's vital for Evansville homeowners to thoroughly peruse their agreements and consider acquiring supplemental insurance to fill these gaps.

  • Is earthquake coverage included in standard homeowners' insurance in Evansville?

    In Evansville, a standard homeowners' insurance policy does not include earthquake protection. However, many insurance providers present this as an additional option to homeowners. This supplementary coverage costs approximately $60 to $80 annually. Notably, earthquake insurance often introduces a distinct deductible, typically between 5% to 10% of the home's insured valuation.

  • What coverage does a standard manufactured home insurance policy provide in Evansville?

    In Evansville, typical policies for manufactured residences chiefly guard against harm from elements like weather disturbances or unauthorized access. These insurance plans predominantly focus on three key aspects: safeguarding the dwelling's physical framework, assuring protection for individual assets inside, and offering liability safeguards for unforeseen mishaps visitors might encounter on the premises.

  • 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 2024

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.