Indianapolis Home with Home Insurance Coverage

Home Insurance

Home Insurance

A homeowners policy covers the structure of the home and the contents in the building. The policy also extends personal liability coverage and follows the named insured on and off the property.

When seeking a mortgage for your home, the financier will require insurance coverage to ensure their interests are secure in case of a fire accident or other possible risks.

Things to Consider

  • If my roof is damaged by hail, will my insurance company pay to replace 100% of my roof "as-new" or just pay a percentage of that amount since my roof is old?
  • If I am personally sued are my assets or income at risk if I am being sued for an incident that occurred off of my property?
  • If my basement has water damage, does my policy exclude coverage for repair?
  • If I belong to a homeowner’s association and the association is being sued, am a liable for any judgements if the association doesn't have adequate insurance in place?
  • How many homeowners claims in a five-year period can I have before a company will non-renew my policy?
  • My child lives away from home at college, do I need a separate policy for their contents or does my homeowners coverage extend to him/her?

Umbrella Insurance policies cover a much higher limit and go above and beyond claims directly relating to your home and auto. The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries.

Renters Insurance covers your possessions such as clothes, furniture and electronics. It also extends personal liability which is typically required by a landlord.

St. Joseph Agency Can Assist You

We proudly serve Indianapolis, Fishers, Carmel, Westfield, Noblesville, Brownsburg, Zionsville and all surrounding areas. For instant quotes on home or auto insurance, try our online rating tool.

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