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Homeowners Insurance in Indiana

Many homeowners consider their homes to be one of their most significant assets. When you own a valuable asset, such as a house, its protection can be irrevocably tied to your financial stability. If your home is damaged or destroyed, you could be on the hook for costly repairs and replacements that you might not be able to pay out of pocket. Homeowners’ insurance can provide financial protection and peace of mind for you and your family.

Contact Insurance Solutions Inc. to learn more about our homeowner’s insurance coverage and get a home insurance quote today.

What Is Homeowners Insurance?

Homeowners insurance is considered a package policy. It protects homeowners from property damage and personal liability arising from allegations that they have caused bodily harm or property damage to a third party. Sometimes a home insurance policy can even protect the homeowner from claims of bodily injury occurring away from their property.

What Does Homeowners Insurance Cover?

Although the specific policy terms and coverage limits may vary with different insurance companies, the following coverages are included in most standard homeowners insurance policies:


  • Personal liability coverage may pay for costs associated with claims that you caused bodily injury or property damage to a third party (e.g., lost wages, medical bills, legal fees).
  • Personal property coverage may pay for repairs or replacements of your personal possessions (e.g., clothes, sports equipment) if they’re damaged by a covered loss.
  • Dwelling coverage may pay for damage to the physical structure of your property (e.g., plumbing, roof), up to your policy limits.
  • Other structures coverage may pay for damage to additional structures on your property (e.g., fences, gazebo).
  • Additional living expenses may pay for costs associated with moving out if property damage renders your home uninhabitable.


Your insurance company may ask you to take inventory of your belongings to ascertain that you have sufficient coverage for your personal property.

Contact Insurance Solutions for more homeowners insurance coverage solutions.

How Much Homeowners Insurance Do I Need?

The amount of coverage you need to protect your home will vary. However, you will likely want to buy enough home insurance to cover the cost of rebuilding your entire home and replacing all your property to ensure you’re protected from disaster.

Remember that damage from certain disasters (flood, hurricane) is not covered under most homeowners insurance policies. If you live in a high-risk flood zone, for example, you may need to purchase a separate flood insurance policy.

When Should I Buy Homeowners Insurance?

Home insurance is not legally required to purchase a home, but it will be required by most mortgage lenders. Therefore, you should start shopping for a home insurance policy when you sign a contract to buy your first home, giving you time to find the best homeowners insurance policy for your needs.

How Do I Get Homeowners Insurance?

Our dedicated insurance professionals are here to help you find the right home insurance policy for your insurance needs. Contact Insurance Solutions in Scottsburg, Indiana, to get a homeowners insurance quote today.