Homeowners Insurance in Indiana
Local guidance from an Indianapolis Allstate agency—statewide support you can count on
Your home is more than a roof and walls—it’s family dinners, weekend projects, and the memories you’re building room by room. AOG Group | Allstate, headquartered in Indianapolis and serving homeowners across Indiana, makes protecting it simple. We combine a personal, local touch with Allstate’s strength to deliver clear recommendations, budget-savvy options, and service that feels like a conversation—not a sales pitch.
Why choose AOG Group | Allstate
- Local expertise, statewide reach: From Indy to Evansville, Fort Wayne to South Bend, Bloomington, Lafayette, Carmel, Fishers, Zionsville, Westfield, Noblesville, Greenwood, Muncie, Gary, and beyond—we understand Indiana homes and the weather, building styles, and risks that come with them.
- Coverage built around you: We tailor protection for primary residences, second homes, and condos, with options that reflect your home’s age, roof type, and belongings.
- Clear, friendly guidance: Licensed agents explain coverage in plain language, so you know exactly what you’re getting and why.
- Savings strategies: Ask us how bundling, home safety devices, claim-free history, and other factors may help lower your rate.
- Proactive reviews: Life changes—your policy should keep up. We’ll check in to help keep coverage aligned with your goals.
What a standard homeowners policy typically covers
- Dwelling (Coverage A): Repairs or rebuilding costs if your home is damaged by a covered loss.
- Other Structures (Coverage B): Fences, sheds, and detached garages.
- Personal Property (Coverage C): Furniture, clothing, electronics, and more—on and off premises, up to policy limits.
- Loss of Use/Additional Living Expenses (Coverage D): Extra costs if a covered claim makes your home temporarily uninhabitable.
- Personal Liability (Coverage E): Helps protect your finances if you’re responsible for injuries or property damage to others.
- Guest Medical Payments (Coverage F): Medical expenses for guests injured at your home, regardless of fault, up to limits.
Coverage, limits, and deductibles vary by policy and state. We’ll walk you through options and help you choose what fits.
Popular optional add-ons in Indiana
Looking to fine-tune protection? Ask about optional endorsements such as:
- Water Backup: Helps cover damage from backed-up drains or sump overflows.
- Service Line Coverage: Helps with covered costs to repair or replace underground service lines you own (like water or power) if they fail due to a covered cause.
- Enhanced Roof Coverage for Wind & Hail: Designed to help address Indiana’s storm seasons—ask how this may apply to your roof type and age.
- Scheduled Personal Property: Extra protection for jewelry, art, collectibles, or high-value electronics.
Smart ways to save
Your premium is influenced by factors like home value, roof age/material, location, claims history, and selected deductibles. You may also qualify for savings with:
- Multi-policy bundling (home + auto, and more)
- Protective devices (monitored security, smart smoke detectors)
- Claim-free history
- Responsible payment history
- Newer roof or renovations
We’ll review the discounts you may qualify for and build a quote that balances value with protection.
Who we serve
We’re proud to help homeowners throughout Indianapolis and across all of Indiana—from urban neighborhoods to fast-growing suburbs and smaller communities statewide. Whether you’re purchasing your first home in Greenwood, upgrading in Carmel or Fishers, or relocating to Fort Wayne, Evansville, South Bend, Bloomington, Lafayette, Muncie, Terre Haute, or anywhere in between, our team has you covered.
How the process works
- Conversation & quote: Tell us about your home, goals, and budget. We’ll gather details and explain how coverage works.
- Customize your plan: We’ll recommend coverage levels and optional add-ons to match your needs—no cookie-cutters.
- Ongoing support: From policy updates to claims guidance, we’re here with proactive reviews and quick answers when you need them.
Our promise at claim time
Insurance matters most on your worst days. If something happens, call us first. We’ll help you understand next steps, coordinate with claims, and keep things moving—so you can get back on the road sooner.
FAQs
Do I insure my home for market value or rebuild cost?
Home insurance is based on the estimated cost to rebuild (materials and labor), which can differ from the home’s market price. We’ll help estimate an appropriate dwelling limit.
What deductible should I choose?
Higher deductibles can lower premiums but increase out-of-pocket costs at claim time. We’ll model options so you can pick a number that fits your risk comfort and budget.
Is wind and hail covered—and what about my roof?
Wind and hail are commonly covered causes of loss, but roof coverage can depend on age, materials, and policy terms. Ask about enhanced roof coverage options and whether a separate wind/hail deductible applies.
Does homeowners insurance cover floods or earthquakes?
Standard policies don’t cover flooding or earthquakes. If your home is at risk, we can explore separate policies or endorsements where available.
What’s the difference between Replacement Cost and Actual Cash Value for personal property?
Replacement Cost helps pay to replace an item with a new one of similar kind/quality. Actual Cash Value factors in depreciation. Many homeowners choose Replacement Cost for added peace of mind.
Can I bundle to save?
Often, yes. Many customers see value by bundling home + auto (and other lines). We’ll check potential savings for your situation.
Ready for a clearer, smarter homeowners policy?
Let’s protect your home—and everything it holds—with coverage that makes sense for your life in Indiana. Request your free quote from AOG Group | Allstate in Indianapolis today, and let our friendly, licensed team do the heavy lifting.
AOG Group | Allstate is based in Indianapolis, IN and serves homeowners across the entire state of Indiana. Coverages, features, discounts, and availability vary by state and policy form. Terms, limits, conditions, and exclusions apply. We’ll review details with you before you buy.
