Indiana Personal Insurance: Home, Auto & Life Coverage

Indiana personal insurance provides essential protection across the Hoosier State. From Indianapolis to Fort Wayne and South Bend, Dream Assurance Group helps Indiana residents find comprehensive coverage tailored to your needs.

Personal Insurance Options in Indiana

Auto Insurance

Comply with Indiana liability laws (25/50/25) with competitive rates.

View Auto Coverage

Homeowners Insurance

Replacement Cost coverage for Indiana homes against tornadoes and winter storms.

View Home Coverage

Condo Insurance

HO-6 coverage for unit owners. Protects interior and personal property.

View Condo Coverage

Renters Insurance

Protect your belongings from theft or damage in your rented apartment or home.

View Renters Coverage

Life & Annuities

Term or Permanent Life insurance options to protect your family's future.

View Life Coverage

Umbrella Liability

Additional liability protection of $1M+ to safeguard your assets.

View Umbrella Coverage

Bundled Home & Auto

Save up to 25% when you bundle your home and auto policies together.

View Bundle Savings

Pet Insurance

Coverage for veterinary bills to keep your furry family members healthy.

View Pet Coverage

Indiana Insurance Requirements & Laws

Mandatory Auto Insurance Limits

Indiana is a "fault" state. Drivers must maintain the following liability coverage, known as "25/50/25":

  • $25,000 Bodily Injury
    Per person injured in an accident you cause.
  • $50,000 Total Bodily Injury
    Per accident total, regardless of the number of people injured.
  • $25,000 Property Damage
    For damage to another person's car or property.
Additional Info:

Fault State: At-fault drivers pay damages.
Uninsured Motorist: Optional but recommended.

25/50/25
Indiana State Minimums

Homeowners Insurance: Legal vs. Lender Requirements

Unlike auto insurance, the State of Indiana does not legally mandate homeowners insurance. However, if you have a mortgage, your lender will require proof of insurance.

Common Indiana Risks to Consider:

TornadoesSpring and summer storm risks.
Winter StormsSnow and ice damage coverage.
FloodingFlood insurance recommended near rivers.

How to Get Personal Insurance in Indiana

  1. 1. Assess Needs

    Review your home value, vehicles, and assets.

  2. 2. Get Quotes

    We compare rates from top Indiana carriers to find the best rate.

  3. 3. Review

    Compare coverage options, deductibles, and price.

  4. 4. Bind Coverage

    Get your policy issued, often the same day.

Protect Your Indiana Family

Get Hoosier State coverage from a local agent.

Frequently Asked Questions

What insurance do I need in Indiana?

Indiana requires 25/50/25 liability. Homeowners required by lenders.

Is Indiana a no-fault state?

No, Indiana is a "fault" state.

Is flood insurance included?

No, separate flood insurance is recommended near rivers.

How much can I save bundling?

10-25% discounts typical.

Is tornado damage covered?

Yes, standard homeowners policies cover wind/tornado damage.