Indiana Insurance: All Your Needs in One Place

Homeowners insurance in Indiana covers a wide range of perils (e.g., fire, theft, vandalism, and severe weather) that could potentially damage your home, your belongings, or certain other structures on your property. Homeowners insurance in Indiana covers the following:

• Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air conditioning systems, and electrical wiring.
• Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on. 
• Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you. 
• Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses. 
• Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else. 

A local independent insurance agent can help you find homeowners insurance in Indiana.

If you own a vehicle in Indiana, you are required to purchase car insurance. You must have the following coverage at a minimum in order to comply with the law: 

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage per accident

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault. 

In addition, car insurance in Indiana must include uninsured/underinsured motorist coverage unless you reject it in writing. These coverages pay for your injuries and property damage if you’re in an accident and the at-fault driver does not have sufficient insurance to cover your losses. In these cases, you’d be reimbursed by your own insurance company instead.

You can include several other coverage options in your car insurance policy in Indiana. These include medical payments/personal injury protection, collision insurance, comprehensive insurance, gap insurance, towing and roadside assistance, rental car reimbursement, and more. 

Contact an independent insurance agent near you for car insurance in Indiana. 

No matter what kind of business you’re in, you can experience an unexpected fire, a break-in, or a weather event that damages your commercial property. 

And if you’re accused of harming someone else or damaging someone’s property as a result of your operations or your products, you can be expected to pay for property damage and medical expenses for the injured parties. It’s also quite common for businesses to be sued in these instances.

Business insurance in Indiana covers these kinds of problems, and more. The policies and the amount of coverage you need depend on the type of business you’re in and the value of your inventory and assets. Most business owners in Indiana will need business property insurance and general liability insurance at a minimum in order to properly protect their assets. 

In addition, if your business owns any vehicles or if you drive your personal vehicle for business purposes, you are required by law to purchase commercial vehicle insurance in Indiana.

And if you have employees, Indiana law requires you to purchase workers’ compensation insurance that protects workers who are injured on the job. 

Contact an independent insurance agent in Indiana for the coverage you need. 

Workers’ compensation insurance in Indiana covers injuries and illnesses that happen in the workplace. It ensures that injured workers get medical care and income protection while they are unable to work. In addition, workers’ compensation insurance helps protect employers from lawsuits resulting from work-related injuries. 

All Indiana employers must provide workers' compensation coverage to all employees. Some exceptions to the requirement include:

• ​Railroad employees engaged in train service
• Farm laborers
• Employees of Indiana municipal corporations who are members of the fire department or police department and a firefighters’ pension fund or police officers’ pension fund
• ​Independent contractors as defined by the guidelines of the Internal Revenue Service

An independent insurance agent can help you learn more about the workers’ compensation insurance requirements in Indiana. 

Restaurant insurance in Indiana protects your business from the costs associated with things like:

• Fire
• Theft
• Vandalism
• Severe weather
• Workplace injuries
• Food contamination or spoilage
• Delivery driver car accidents
• Customer injuries on your premises
• Breakdown of ovens, refrigerators, or other kitchen equipment
• Utility interruptions that force you to close
• Responsibilities related to serving alcohol

Most restaurants need a customized package of policies that cover a wide range of property and liability risks. The following types of restaurant insurance policies are common:

• Commercial property insurance
• General liability insurance
• Commercial vehicle insurance 
• Equipment breakdown coverage 
• Contamination and spoilage coverage
• Crime coverage
• Liquor liability insurance
• Workers’ compensation insurance

You may even need other restaurant insurance policies that protect you from a variety of unique risks. It’s a good idea to work with an independent insurance agent in Indiana to help you find the best restaurant insurance. 

Commercial vehicle insurance in Indiana covers cars, trucks, and any other vehicles used in business operations. Similar to personal auto insurance, commercial auto insurance provides liability, collision, comprehensive, personal injury, uninsured and underinsured motorist coverage, and more for the business owner. 

The minimum commercial vehicle insurance requirements in Indiana are as follows: 

• 25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage per accident

Each of your business-owned vehicles must have this level of coverage, at a minimum. In addition, commercial vehicle insurance in Indiana must include uninsured/underinsured motorist coverage unless you reject it in writing.

Certain large vehicles, those that carry hazardous materials, and those that participate in interstate commerce may be required to carry higher liability limits. 

Several types of optional coverage are also available for your commercial vehicles, including comprehensive insurance, collision insurance, and more.

Contact an independent insurance agent in Indiana to learn more about your commercial vehicle insurance options. 

Umbrella insurance in Indiana offers excess liability coverage that kicks in when the limits of an underlying policy—including home insurance, renters insurance, condominium insurance, boat insurance, or car insurance—have been exhausted. 

Umbrella insurance typically covers the following types of claims for any person that is covered under the primary insurance:

• Personal injury
• Advertising injury
• Property damage liability
• Slander
• Libel
• Defamation of character
• False arrest, detention, or imprisonment
• Malicious prosecution
• Mental anguish

Your umbrella policy may offer coverage for certain losses that are not covered by the underlying policies, including covering you worldwide.

Renters insurance is not required by law in Indiana. Some landlords, however, will require renters insurance in Indiana as a condition of your lease. And if not, renters insurance is still an important way to protect yourself. 

Renters insurance is an affordable way to minimize your financial losses if you experience a fire, a burglary, or some other type of event that damages your personal property. The average renters insurance policy in Indiana costs just $174 per month. That’s less than $15 per month to provide peace of mind. 

Talk to a local independent insurance agent to find renters insurance in Indiana.

Life insurance is a contract with an insurance company. In exchange for payment from you (premiums), the insurance company provides a lump-sum payment (death benefit) in the event of your death to beneficiaries you have chosen. Life insurance in Indiana is a vital part of your long-term financial plan. 

However, you can think of life insurance in Indiana as more than just a financial investment. The proceeds from a life insurance policy make cash available to support your family almost immediately upon your death. It gives your loved ones time to grieve, helps pay off debts and loans that you leave behind, and provides your remaining family members with financial stability after you are gone. 

There are two major types of life insurance policies available in Indiana: term life insurance and permanent life insurance. Each offers benefits for different periods of time. 

Contact an independent insurance agent to learn more about how life insurance works in Indiana.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Indiana now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.