Commercial Umbrella Insurance Agencies in Indiana

Indiana at a glance

• 8commercial umbrella insurance agencies listed
• 29.4%of households rentRenters insurance
• $218,200median home valueHome insurance
• 1976median year homes were builtRebuild cost calculator
• 6.2%of households have no carAuto insurance
• 4.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Indiana

How many of Indiana’s 92 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Strong wind23 of 92 counties

  Very High in Marion County.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Indiana
• Tornado13 of 92 counties

  Very High in Lake County, Marion County.

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Indiana
• Winter weather10 of 92 counties
• Lightning4 of 92 counties

  Very High in Marion County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Indiana
• Inland flooding3 of 92 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Ice storm2 of 92 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Indiana

Indiana requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in IndianaHow much liability cover do you need?

Source: in.gov. Checked 2026-10-24.