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Coverage Options

Get personalized coverage options for your home.


Get a cheaper rate by bundling
Home + Auto insurance

Get the coverage you need for the home you love.


You've personalized your home to fit your lifestyle, let our agents help you find the coverage to protect it.


House Mobile Home Condo Rental Property
Dwelling Protection
Information-icon Pays for covered repairs for damage to your home. Covers anything attached to your home, like your garage or deck.
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Other Structures
Information-icon Protects structures on your property not physically attached to your home, such as a detached garage, shed, carport or fence.
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Personal Property
Information-icon Provides coverage for all that you've collected or inherited over the years. Also protects your belongings while anywhere in the world.
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Additional Living Expenses
Information-icon Additional living expenses can help you maintain your normal standard of living following a covered homeowners insurance loss that makes your home uninhabitable.
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Liability Protection
Information-icon Covers you if someone not living with you sues or files a claim against you after being injured on your property. Also provides coverage if you accidentally damage someone else's property.
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Medical Payments to Others
Information-icon This coverage pays medical expenses for those who get injured while on your premises.
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* Limited dwelling coverage available on condo policies

** Additional living expenses coverage depends upon coverage selection

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Your Valuables 


Help protect your valuables by adding scheduled personal property coverage to your homeowners insurance policy. 

  • Jewelry
  • Firearms
  • Fine art, antiques and collectibles
  • Musical instruments
  • and more

Water Backup and Sump Overflow Coverage

  • Can cover losses caused by water that backs up through sewers or drains.
  • Also can provide coverage for water that overflows from a sump pump.
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family having fun on boat



  • Can provide liability coverage for your larger, more powerful motorized boat, sailboat, pontoon and recreational personal watercraft.
  • Can provide physical damage coverage for your watercraft or trailer.

Earthquake and Flood

  • Do you need flood insurance? Our agents can help connect you to the National Flood Insurance Program.
  • Earthquake insurance covers damage to your home's structure and personal property due to earth movement from earthquakes and tremors.
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Happy insurance adjuster explaining insurance benefits to family

How does inflation impact my insurance?

  • Can increase the cost of construction.
  • Can change the home’s value and coverage needed over time.

Our company monitors inflation and periodically adjusts coverage limits on eligible home policies to help ensure adequate coverage.


More about inflation impact

Insurance can be confusing.
Our agents make it as easy as 1, 2, 3.

Help you understand the possibilities


Whether you currently have a homeowners policy or you are buying your first home, an expert agent will have a quick conversation with you and answer your questions.


Discuss your coverage needs


During this conversation, an agent will help you determine what type of policy is best for you, discounts you qualify for, and suggest which coverage options best meet your needs.


Create your policy


Once we identify your needs, your agent will help you create a customized homeowners insurance policy.

Inside Story by Indiana Farm Bureau Insurance


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