Hammond has 76,768 residents in 29,797 households. We list 5 insurance agencies in Hammond. Here is what the local numbers say about the cover people here need.

Hammond at a glance

5insurance agencies listed
37.6%of households rentRenters insurance
$159,900median home valueHome insurance
1952median year homes were builtRebuild cost calculator
8.3%of households have no carAuto insurance

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

Natural hazard risk in Lake County

FEMA rates the overall natural hazard risk in Lake County, where most Hammond agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Indiana
Inland floodingRelatively High
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
Winter weatherRelatively High
Strong windRelatively High
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
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Indiana

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 Indiana How much liability cover do you need?

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

What Hammond agencies can write

Share of the 5 agencies listed in Hammond that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Hammond agencies are

Hammond agencies we list sit in 3 ZIP codes, mostly in Lake County.

463243 agencies
463201 agency
463231 agency

Questions

Insurance agencies in Hammond

How do I find an insurance agency in Hammond?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Hammond?

FEMA's National Risk Index rates inland flooding risk in Lake County as Relatively High compared with other U.S. 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.

Do I need renters insurance in Hammond?

37.6% of households in Hammond rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Agencies near Hammond

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