Renter Insurance

Renters Insurance in Indiana (HO-4)

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Local Indy guidance—statewide protection for what’s yours

Whether you rent an apartment in downtown Indianapolis, a duplex in Broad Ripple, or a house in Carmel, your landlord’s policy doesn’t cover your belongings—or your liability. AOG Group | Allstate pairs friendly, local service with clear coverage design so you know exactly what you’re getting and why.

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Who renters insurance is for

• Apartments, townhomes, and rented single-family homes
• Condo units rented from an owner (not the HOA)
• Off-campus student housing and short-term leases (policy terms apply)
• Anyone who wants affordable protection for belongings and liability

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What an HO-4 policy typically covers

• Personal Property: Furniture, clothing, electronics, and more—on and off premises, up to limits.
• Personal Liability: Helps protect your finances if you’re legally responsible for injuries or property damage to others.
• Guest Medical Payments: Limited no-fault medical coverage for guests injured in your home, up to policy limits.
• Loss of Use (Additional Living Expenses): Extra costs (hotel, meals) if a covered loss makes your place uninhabitable.

Coverage, limits, sublimits, deductibles, and availability vary by policy form and state. We’ll review details with you before you buy.

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Popular add-ons & options in Indiana

• Replacement Cost on Personal Property: Helps pay to replace items new, instead of depreciated value.
• Scheduled Personal Property: Extra protection for jewelry, art, collectibles, or high-value electronics.
• Increased Limits for Business Property at Home: Useful for remote workers or side-hustles kept at home (eligibility/limits apply).

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How much coverage do I need?

A quick starting point is to total the cost to replace everything you own—room by room. We’ll build a side-by-side quote showing:

• Property limit options (with or without Replacement Cost)
• Liability limit choices (often higher limits are inexpensive)
• Deductible scenarios to balance premium vs. out-of-pocket costs

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Ways to save (subject to qualification)

• Bundle & save: Renters + Auto is a classic money-saver.
• Protective devices: Monitored alarms, smart smoke/CO detectors.
• Claim-free & responsible payer discounts.
• Choose a higher deductible you’re comfortable with.

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Real-life claim scenarios we plan for

• Kitchen mishap fire damages your unit and belongings → personal property + loss of use.
• Water backup from a drain ruins a rug and electronics → optional water backup coverage.
• Dog knocks over a guest who needs stitches → personal liability/guest medical (breed/eligibility rules apply).
• Laptop stolen from your car while traveling → personal property coverage (subject to policy limits).

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Our simple process

1. Quick conversation: Tell us about your place, valuables, and budget.
2. Custom options: We size property and liability limits, then add smart riders if needed.
3. Bind with confidence: Digital proof of insurance for your landlord—fast.
4. Annual review: Adjust limits as your life (and gear) changes.

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FAQs

Does my landlord’s insurance cover my belongings?
No. The landlord’s policy covers the building. Your renters policy helps cover your stuff and your liability.

Is my roommate covered?
Typically, policies cover the named insured(s) on the policy. Roommates usually need their own policies unless specifically added.

Replacement Cost vs. Actual Cash Value—what’s the difference?
Replacement Cost helps pay to replace items new; Actual Cash Value factors in depreciation. Many renters choose Replacement Cost for peace of mind.

Are my things covered away from home?
Personal property is often covered on and off premises (e.g., in your car or on a trip), subject to limits/sublimits. We’ll review the specifics.

What about pets?
Personal liability may respond to certain pet-related incidents, subject to policy terms and underwriting (including possible breed/animal restrictions). We’ll clarify how your situation is treated.

Does renters insurance cover flood or earthquakes?
Standard HO-4 policies do not cover flood or earthquake. If needed, we can explore separate policies or endorsements where available.

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Where we serve

We’re based in Indianapolis and serve all of Indiana—including Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Fort Wayne, Evansville, South Bend, Bloomington, Lafayette/West Lafayette, Muncie, Terre Haute, Columbus, and beyond.

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Ready for affordable protection that actually fits?

Let’s build a renters policy around your real life—and your budget. Request a quick quote from AOG Group | Allstate in Indianapolis today.

Disclosures: Product features, discounts, underwriting, and availability vary by policy form and state. Terms, limits, conditions, and exclusions apply. Coverage is subject to policy language. We’ll review specifics with you before you buy.