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2024

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Best Homeowners Insurance Agencies in Gary, IN

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Gary 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.

48Reviewed

31Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5544 Broadway, Merrillville, IN 46410

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (7)

Why choose this provider?

The Billy Davis Insurance Group is a local insurance agency near Gary that works with national insurance carriers to provide homeowners' insurance. The firm was founded in 2007 and has since helped homeowners protect their homes from the elements and other incidents. It focuses on finding a policy where the premium and deductible are balanced. Besides homeowners' insurance, The Billy Davis Insurance Group offers auto, boat and watercraft, motorcycle, commercial, life, and umbrella insurance.

  • Multiple Policy Types

3992 Broadway, Gary, IN 46408

Expertise.com Rating

Review Sources

Google
3.9 (17)

Why choose this provider?

Glen Park Auto Insurance has been helping homeowners in Gary manage asset-related risks for more than two decades. The firm's insurance professionals provide assistance in assessing clients' needs and help find insurance products that meet homeowners' financial goals. They also ensure that clients obtain sufficient insurance coverage for their homes and belongings. This coverage includes damages from disasters, random acts such as theft, and legal liability exposures. Glen Park Auto Insurance also offers business insurance.

  • Multiple Policy Types

1711 West Ridge Road, Gary, IN 46408

Expertise.com Rating

Review Sources

Google
4.5 (92)

Why choose this provider?

The Insurance Spot is a homeowners' insurance agency servicing Gary residents. Founded in 2010, this family-owned company provides consultations to address diverse insurance needs and recommend appropriate insurance solutions. Its homeowners' insurance plans apply to homes, rental properties, vacant residences, and mobile homes. Insurance agents from this firm inform homeowners of insurance basics and processes and help determine applicable coverage types. This coverage includes compensation for property damages and injury liability claims. Covered damages also include fire, vandalism, and theft losses.

  • Multiple Policy Types

6629 W U.S. Hwy 30 Ste 8, Schererville, IN 46375

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (12)

Why choose this provider?

Brandon Boren is a State Farm insurance agent who specializes in helping homeowners get the coverage they need to cushion themselves against the costs of restoring their properties after a disaster, such as a fire or flooding. The licensed agent helps his clients understand the contents of their policies to ensure they meet their needs and discusses add-ons that can cover other costs, such as replacing destroyed electronics. Mr. Boren also specializes in auto, life, and health insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Chicago, IL

Expertise.com Rating

Why choose this provider?

CUNA Mutual Group was founded more than 80 years ago to provide individuals and businesses with insurance policies that met their needs and were within their budgets. Its agents have significant experience helping homeowners get the coverage they want for their properties should a disaster happen, such as a fire or a flood. They can also tailor policies to cover other losses that the disaster may incur, such as the expense of temporarily relocating and the replacement of household items.

  • Personal Property Insurance

5275 Broadway, Merrillville, IN 46410

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Sharon Chambers of Sharon L Chambers Insurance Agency Inc is a State Farm insurance agent that serves clients in Gary. She helps clients find State Farm homeowners' insurance policies with the right coverage they need, be it named perils or all risks. Homeowners' insurance policies help property owners get peace of mind and financial protection against liabilities, accidents, and disasters. Sharon Chambers also offers property, auto, life, health, and business insurance policies through State Farm.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The Billy Davis Insurance Group
5544 Broadway, Merrillville, IN 46410
Glen Park Auto Insurance
3992 Broadway, Gary, IN 46408
The Insurance Spot
1711 West Ridge Road, Gary, IN 46408
Brandon Boren - State Farm Insurance Agent
6629 W U.S. Hwy 30 Ste 8, Schererville, IN 46375
CUNA Mutual Group
Chicago, IL
Sharon Chambers - State Farm Insurance Agent
5275 Broadway, Merrillville, IN 46410

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 much does Gary homeowners’ insurance cost?

    Homeowners’ insurance policies in Gary with a dwelling coverage level of $141,700 cost an average of $1,606 per year. This is higher than Indiana’s average annual premium of $1,500. West Newton has Indiana's highest average home insurance rate at $1,905 per year, while the town of Granger has the lowest rate at $1,230 per year.

  • Are Gary homeowners’ insurance rates increasing?

    Homeowners’ insurance premiums in Gary and the rest of the state have increased by 11.25% over the past five years. This is in large part due to increased storm activity in Indiana, with the state accumulating more than $20 billion in losses in 2021. These increases can also be attributed to the rising costs of building materials.

  • What is the most common type of homeowners’ insurance in Gary?

    The most commonly purchased homeowners’ insurance policy in Gary is the HO-3 policy, which covers the home’s structure and certain personal belongings. It provides financial protection against sixteen of the most common perils, with most policies excluding earthquakes, floods, and nuclear accidents. Those who are seeking more comprehensive coverage may opt for the HO-5 policy.

  • Does Gary homeowners’ insurance cover flood damage?

    Most homeowners’ insurance policies in Gary do not cover damage caused by flooding. However, residents are advised to take out a separate flood policy due to the metro’s proximity to Lake Michigan. They may do so through a private insurer or the Federal Emergency Management Agency’s National Flood Insurance Program.

  • Does Gary homeowners’ insurance help with snow damage repairs?

    Damage caused by snowfall is typically covered by most standard homeowners’ insurance policies in Gary. However, insurers may deny a claim if the damage is proven to be caused by negligence. Hence, homeowners should take certain preventive steps if their home is at a high risk of snow or ice damage.

  • 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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