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by Indiana Farm Bureau Insurance

8 homeowners insurance FAQs

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When purchasing a homeowners insurance policy at Indiana Farm Bureau Insurance there may be questions you have about what the policy covers, additional coverage options or other insurance-related questions. Here is a list of eight common homeowners insurance frequently asked questions (FAQs) that may be helpful.  


If you don’t see the answer to your question below, check out 7 homeowners insurance FAQs to see if we answer it there. If you need more assistance, contact a local insurance agent to help answer your questions and talk about what your current policy covers.  


1. Does homeowners insurance cover damage caused by termites? 


Most homeowners insurance policies do not cover damage from termites. Homeowners insurance policies cover damages from risks that are sudden and accidental; termite damage is not considered to be either of those, since this type of damage is preventable. 

Whether you are purchasing a new home or getting a quote on the home you currently own, have a specialist come out to inspect for termites and other pests. This may help prevent infestation of your home.  


2. Does homeowners insurance cover foundation repair? 


Foundations can be covered by your home insurance, but it depends on the cause of the damage. There are specifics as to which foundation repair is and is not covered by your homeowners insurance policy. Normal wear and tear of your home’s foundation is typically not covered by your policy.  


Are you experiencing foundation issues and are wondering if it is covered by your current policy? Contact your Indiana Farm Bureau Insurance agent today to find out more. 


3. Does homeowners insurance cover fire? 


Typically, homeowners insurance policies will help cover damage caused  by an accidental fire. If the fire damages your home and the belongings inside, the policy will typically help to repair, rebuild or replace those items. If the fire was set intentionally, your insurance policy may not cover the damage.  


4. Does homeowners insurance cover structural problems? 


In most cases the answer is no, homeowners insurance does not cover structural problems. But if the structural damage was due to water damage, there is a chance that the damage may be covered. If you think your home may have structural problems, call a structural engineer to inspect your home and recommend how you can get it fixed before the damage is beyond repair.  


5. Does homeowners insurance cover theft? 


Most homeowners insurance policies cover property theft and the damage that is caused to your home by a break-in. At Indiana Farm Bureau Insurance, we suggest adding scheduled personal property to your new or current homeowners insurance policy that can protect your jewelry, firearms, fine art, antiques, collectibles, musical instruments and more.  


6. How can I lower my homeowners insurance premiums?  


We offer multiple discounts that can help you save on your homeowners insurance policy. These are just some of the discounts that will help you save money: 


7. What can I expect when I file a claim


Indiana Farm Bureau Insurance allows clients to file insurance claims 24/7. You can report your claim quickly by accessing your account online, filing the claim on, on our mobile app, or by calling the Customer Service Center. Here is a list of the helpful information you can have handy to get your  claim started:  


  • Policy number  

  • Date, location and description of the loss 

  • Description of damaged property and/or injuries 

  • Steps taken to prevent further damage  

  • Home, work and cell phone numbers  


You filed your claim, now what? Your claim will be assigned to a claims representative who will contact you with any questions they have regarding the loss and obtain any additional information needed to conduct the investigation.  


If you are not an Indiana Farm Bureau Insurance customer, please report your claim here. For additional assistance regarding your claim please contact your insurance agent or call 1-800-723-3276.  


8. Does homeowners insurance premium increase after a claim? 


Your homeowners insurance premium may increase after you file a claim with your insurance provider; however, there are situations in which you may see an increase in your premium that is due to something other than a previously filed claim. The best way to learn about any change in your insurance premium is to contact your agent.  


*The information in this article was compiled from a variety of sources and is intended to provide helpful tips only.