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2024

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Best Homeowners Insurance Agencies in Indianapolis, IN

Our Recommended Top 19

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 Indianapolis 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.

471Reviewed

290Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

160 W. Carmel Drive, Suite 236, Carmel, IN 46032
WebsiteLicense: 3617236

Expertise.com Rating

Review Sources

Google
5.0 (66)
Facebook
5.0 (21)

Why choose this provider?

GJ Insurance Group is a Carmel-based financial services company that serves clients across the Indianapolis metro. The company provides homeowners' insurance solutions and educates clients on further protection options, like liability and personal property coverage. It also deals with condo, flood, earthquake, and landlord insurance. The company's other insurance products include motorcycle, auto, business, and life insurance. Grant Jenkins, the company's managing partner, is a former vice-president from the financial services firm J.P. Morgan Asset Management, Inc.

  • Condos

8767 South St, Fishers, IN 46038

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
4.3 (6)

Why choose this provider?

Osborn Insurance Agency operates within the Indianapolis, Indiana, metro area, assisting clients with home insurance policies. It offers home owner's insurance for coverage of structural damage, assets, injury and liability, as well as coverage for condominiums and renter's insurance. Its agents are experienced in both named perils-policies and all-risk policies. Flood insurance policies are also available as an additional coverage. Functioning as a full-service agency, Osborn Insurance Agency handles auto, life, and business insurance as well.

  • Renter's Insurance
  • Earthquake
  • Flood

1245 E Troy Ave, Indianapolis, IN 46203
WebsiteLicense: 37292

Expertise.com Rating

Review Sources

Google
4.8 (16)

Why choose this provider?

Gagen's House of Insurance has been serving clients in Indianapolis since 1972. It offers homeowners' insurance plans that provide coverage for the partial loss of a home and its contents, such as jewelry, televisions, and computers, due to unforeseen events. The independent insurance agency also provides insurance products for automobiles, renters, and motorcycles from several insurance providers that include Motorists Mutual Insurance Company and Progressive. Gagen's House of Insurance is committed to providing personalized insurance services that suit clients' needs and finances.

  • Flood
  • Multiple Policy Types
  • Homeowners

5645 N Post Road Suite C, Indianapolis, IN 46216
WebsiteLicense: 560818

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
5.0 (4)
Yelp
3.0 (2)

Why choose this provider?

For more than 10 years, Insurance by George has been serving businesses and individuals in the community of Indianapolis and surrounding areas, including Lawrence and Harrison. It provides a wide range of insurance products, such as homeowners', umbrella, life, auto, health, and commercial property insurance. Its team of independent agents provides customers with personalized insurance policies through collaborating with multiple insurance carriers, such as Midland National, Progressive, Foremost Insurance Group, and Erie Insurance.

  • Homeowners

7209 US 31 South, Indianapolis, IN 46227
WebsiteLicense: 1607930

Expertise.com Rating

Review Sources

Google
4.8 (43)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Bill Collins is an insurance professional who has been working at State Farm since 1983. He caters to clients in Indianapolis and the surrounding areas. He offers a wide array of insurance products, including homeowners', life, health, business, and auto insurance plans. Collins also assists clients to avail themselves of condo, disability, liability umbrella, and rental property insurance policies. He has received various State Farm awards, such as the Ambassadors for Life Qualifier and the Legion of Honor Qualifier.

  • Multiple Policy Types

6316 W Thompson Rd., Indianapolis, IN 46221
WebsiteLicense: 2724890

Expertise.com Rating

Review Sources

Google
3.9 (98)
Facebook
5.0 (30)
Yelp
5.0 (1)

Why choose this provider?

Killion & Hall Insurance Agency is a company that serves clients in the Indianapolis area. It offers an array of homeowners' insurance policies to help policyholders financially in case they suffer a loss caused by theft, vandalism, or fire. Its plans cover personal liability, dwelling, medical expenses, and loss of use. The agency also handles risk protection plans for floods, renters, automobiles, and general liabilities. It was formed in 2016 through a merger of two insurance companies.

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

450 E. 96th St.,, Indianapolis, IN 46240
WebsiteLicense: 714316

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

Independent insurance agency Hoosier Insurance Group serves Indianapolis locals in securing personal and commercial insurance coverage. It offers home insurance policies to clients who may face sudden property damages and legal responsibility for injuries incurred in a client's home. It conducts a thorough review of a client's situation during the application process to ensure that policies suit well. Hoosier Insurance also provides health, dental, renters', automobile, and life insurance policies. Some of the insurance carriers they represent are Travellers, Safeco Insurance, Progressive, and MetLife.

  • Homeowners

7202 N Shadeland Ave #207, Indianapolis, IN 46250
WebsiteLicense: 647012

Expertise.com Rating

Review Sources

Google
5.0 (179)
Facebook
5.0 (38)
Yelp
4.5 (8)

Why choose this provider?

Wenclewicz Insurance is an insurance agency that provides business, life, auto, and homeowners insurance. The agency helps property owners in Indianapolis acquire a policy that they can rely on during difficult situations, such as loss due to fire or theft. As an insurance agency that offers homeowners insurance, it keeps its clients well informed on the details of their policies and tailors the coverage according to their needs. The agency is owned by agent Mark Wenclewicz, who is joined by three team members.

  • Multiple Carriers

4705 E 96th St, Ste 31, Indianapolis, IN 46240
WebsiteLicense: 3412573

Expertise.com Rating

Review Sources

Google
5.0 (72)

Why choose this provider?

AOG Group is an insurance agency that offers its services in the Indianapolis metro and the surrounding communities. It accommodates families and individuals who want to acquire homeowners' insurance. The company aims to protect policyholders from financial losses caused by unforeseen events, such as natural disasters, theft, and vandalism. It also provides other personal lines of insurance, like life, auto, motorcycle, boat, and ATV coverages. AOG Group strives to deliver a stress-free process to help clients meet their insurance needs.

  • Renter's Insurance
  • Condos

1800 N Meridian St Suite 103A, Indianapolis, IN 46202
WebsiteLicense: 3174616

Expertise.com Rating

Review Sources

Google
4.8 (79)
Facebook
4.0 (23)

Why choose this provider?

Burns Family Insurance is an independent agency serving clients in Indianapolis. It offers homeowners' insurance policies that cover home repairs, loss of valuables, personal liability, and living expenses. The company also provides additional lines of insurance, such as high-value homes, vacation homes, and rental dwellings. To meet the specific insurance needs of clients, it represents multiple companies that include Travelers, Progressive, and Zurich. Burns Family Insurance is committed to helping clients in getting the right premium without sacrificing their coverages.

  • Personal Property Insurance

1138 West 86th Street, Indianapolis, IN 46260
WebsiteLicense: 34647

Expertise.com Rating

Review Sources

Google
4.9 (115)
Facebook
5.0 (6)
Yelp
5.0 (3)

Why choose this provider?

Rick Smith is a State Farm insurance agent that serves the residents of Indianapolis and its surrounding metros. He helps homeowners find and access insurance policies with coverages that protect their homes and personal belongings. He has 30 years of experience procuring homeowners' insurance plans. He also offers condo and renters' insurance. Rick takes time talking to his clients about the importance of obtaining insurance, especially along the lines of health and life insurance policies.

  • Renter's Insurance

7360 E Washington Street, Indianapolis, IN 46219
WebsiteLicense: 556498

Expertise.com Rating

Review Sources

Google
5.0 (34)
Yelp
5.0 (3)

Why choose this provider?

Since 2007, Irvington Insurance has been serving clients in Indianapolis and the surrounding communities. Providing homeowners' insurance policies, it strives to help customers protect themselves and their families financially in case their properties and personal possessions get damaged after disasters. Its homeowners' insurance offers dwelling, contents, additional living expenses, and liability coverage. Other insurance products include auto, life, and renters' insurance. Founder Eric Wilson is a member of the American Legion and the Veterans of Foreign Wars.

  • Homeowners

10412 Swiftsail Lane, Indianapolis, IN 46256

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
1.0 (1)

Why choose this provider?

Since 1972, Insurance Associates of Indiana has been providing risk protection to residents across the Indianapolis metro. It offers homeowners' insurance services and educates clients through various coverages, including personal property and personal liability. The company also deals with RV, auto, and motorcycle insurance. It helps business owners minimize financial risk through various options like general liability and commercial umbrella insurance. Insurance Associates of Indiana owner James Sullivan has been in the insurance industry for more than 15 years.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

10475 Crosspoint Boulevard, Indianapolis, IN 46256
WebsiteLicense: 3371573

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (10)

Why choose this provider?

Multiline Insurance Agency is an Indianapolis-based company that provides home insurance services and products to individuals in the community and its nearby areas. It is an independent agency that represents more than 20 insurance carriers in providing personalized insurance plans. The company's home insurance policies protect clients from financial losses caused by unforeseen events such as theft, fire, and storms. In addition, Multiline Insurance Agency offers property, renters, condo, personal umbrella, flood, and life insurance.

  • Renter's Insurance

2818 North High School Rd, Indianapolis, IN 46224

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (1)

Why choose this provider?

IAL Insurance caters to the needs of individuals in Indianapolis. Through its years of experience in the industry, it has served hundreds of individuals, assisting them in filing a claim, managing a policy, and requesting a quote. Its products include home, auto, life, health, and business insurance. It represents various carriers, including Erie, Grinnel, Progressive, Encompass, and Anthem, allowing the business to shop for policies to suit the clients' needs. Intending to serve a diverse society, its professionals can also communicate in Spanish.

  • Homeowners

6414 Mimosa Lane, Indianapolis, IN 46259
WebsiteLicense: 1516590

Expertise.com Rating

Review Sources

Google
4.3 (12)

Why choose this provider?

Veal Insurance is a full-service insurance agency in Indianapolis. The firm assists individuals and families in resolving financial claims for property damages and losses covered by a homeowners' insurance policy. Its independent insurance agents assist clients in assessing their needs and locating the most appropriate coverage among multiple carriers. The organization serves residents of private homes, apartments, and condominiums. Vierl and Mabel Veal, a local couple, established the family-owned business in 1954. It also actively supports its local church and community initiatives.

  • Multiple Carriers

6510 N Shadeland Ave, Indianapolis, IN 46220

Expertise.com Rating

Review Sources

Facebook
5.0 (86)

Why choose this provider?

WalkerHughes Insurance is an insurance company based in Indianapolis, Indiana. It serves homeowners and condo owners in Indianapolis, Albio, Huntington, and the surrounding areas. The company provides basic property and liability insurance and additional coverage options, including water damage, other structures, contents, and medical cover. WalkerHughes Insurance also assists with alternative personal insurance needs, such as boat, PWC, motorcycle, and auto insurance policies, as well as business insurance for clients in a range of industries.

  • Condos
  • Personal Property Insurance
  • Homeowners

107 W Washington St, Fairland, IN 46126

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (3)

Why choose this provider?

Larkey Insurance is a family-owned and operated home insurance company that has been serving the residents of Indianapolis, Indiana, since 1954. As an independent agency, it works with multiple nationwide insurance carriers, such as Auto-Owners Insurance and Progressive. This allows them to offer clients different packages and plans to fit their unique desires. Homeowners and renters policies cover damage to the home due to a natural disaster, loss of personal possesions, loss of use, and liability.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

40 Executive Dr Ste C, Carmel, IN 46032

Expertise.com Rating

Review Sources

Google
3.9 (22)
Yelp
3.5 (3)

Why choose this provider?

Operating since 1973, Rupp Insurance is an Indianapolis, Indiana-based agency consulting clients on home insurance policies. It structures coverage plans that protect from significant financial loss in instances of extensive property damage to the home or structures on the same premises, loss or destruction of personal items, and legal liabilities incurred because of third parties. This company provides auto, life, and health insurance services, and the option to bundle home and auto insurance coverage into one policy at a lower rate.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
GJ Insurance Group
160 W. Carmel Drive, Suite 236, Carmel, IN 46032
Osborn Insurance Agency
8767 South St, Fishers, IN 46038
Gagen's House of Insurance
1245 E Troy Ave, Indianapolis, IN 46203
Insurance by George
5645 N Post Road Suite C, Indianapolis, IN 46216
Bill Collins
7209 US 31 South, Indianapolis, IN 46227
Killion & Hall
6316 W Thompson Rd., Indianapolis, IN 46221
Hoosier Insurance Group
450 E. 96th St.,, Indianapolis, IN 46240
Wenclewicz Insurance
7202 N Shadeland Ave #207, Indianapolis, IN 46250
AOG Group
4705 E 96th St, Ste 31, Indianapolis, IN 46240
Burns Family Insurance
1800 N Meridian St Suite 103A, Indianapolis, IN 46202
Rick Smith
1138 West 86th Street, Indianapolis, IN 46260
Irvington Insurance
7360 E Washington Street, Indianapolis, IN 46219
Insurance Associates of Indiana
10412 Swiftsail Lane, Indianapolis, IN 46256
Multiline Insurance Agency
10475 Crosspoint Boulevard, Indianapolis, IN 46256
IAL Insurance
2818 North High School Rd, Indianapolis, IN 46224
Veal Insurance
6414 Mimosa Lane, Indianapolis, IN 46259
WalkerHughes Insurance
6510 N Shadeland Ave, Indianapolis, IN 46220
Larkey Insurance
107 W Washington St, Fairland, IN 46126
Rupp Insurance
40 Executive Dr Ste C, Carmel, IN 46032

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 damages are covered in a homeowner's personal liability policy in Indianapolis?

    A homeowner's personal liability policy in Indianapolis covers the legal liabilities of the policyholders when someone sustains injuries from slipping and falling on their property, or when a guard dog bites a guest. This type of coverage will pay for the medical expenses incurred when the victim is sent to a medical institution for treatment.

  • In Indianapolis, are fireworks-related damages covered by a homeowner's insurance policy?

    According to the Indiana Department of Insurance, if a homeowner's insurance policy has a condition that excludes the coverage of fireworks-related damages, problems caused by fireworks may not be covered by the policy. However, policyholders whose properties were damaged due to someone else's use of fireworks may be able to file a claim within their own plans. The use of fireworks is only permitted in Indianapolis on New Year's Eve and during the Fourth of July celebration.

  • Is a policyholder in Indianapolis still entitled to a claim if it was filed late?

    A policyholder in Indianapolis may still be entitled to a claim even if it was filed late. The Indiana court will conduct a three-part inquiry to determine whether or not a late notice will be granted coverage. The soundness of the reason for late notice and a legal excuse can help the policyholder obtain coverage for any loss or damage.

  • Do Indianapolis homeowners with home insurance policies need to spend money out of their own pockets in the event of an insurance claim?

    In the event of a claim, Indianapolis homeowners with home insurance policies may need to spend money out of their pockets if their home insurance policies include a deductible clause. Insurance policies typically have a deductible amounting to $500. It means that the policy consumers will pay for the first $500 of any incurred losses. Policyholders benefit from deductibles by paying lower premiums.

  • Is purchasing flood insurance necessary for all homeowners in Indianapolis?

    No, purchasing flood insurance is not necessary for all homeowners in Indianapolis. However, flood insurance is required by law if an individual's property lies within the special flood zone area outlined by the Federal Emergency Management Agency. Lending institutions also require flood insurance for those who need financing to build their homes within areas with a high risk for flooding.

  • 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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