Marion County has 975,809 residents in 400,432 households. We list 24 agencies for umbrella insurance in Indianapolis. Here is what the local numbers say about the cover people here need.

Indianapolis at a glance

24umbrella insurance agencies listed
43.5%of households rentRenters insurance
$224,000median home valueHome insurance
1973median 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, for Marion County (the Census does not publish Indianapolis as a separate place). Agency count: our listings.

Natural hazard risk in Marion County

FEMA rates the overall natural hazard risk in Marion County, where most Indianapolis 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 Indianapolis
Strong windVery 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 Indianapolis
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Indianapolis
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

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 Indianapolis How much liability cover do you need?

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

Insurance companies Indianapolis agencies work with

Of the 24 Indianapolis agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers17 agencies
Liberty Mutual12 agencies
Liberty Mutual (Safeco)12 agencies
Safeco12 agencies
The Hartford12 agencies
Travelers (Standard Fire)12 agencies
Chubb10 agencies
Chubb (ACE)10 agencies
Progressive10 agencies
Employers9 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Indianapolis agencies are

Indianapolis agencies we list sit in 13 ZIP codes, mostly in Marion County.

462407 agencies
462683 agencies
462042 agencies
462502 agencies
462802 agencies
462021 agency
462171 agency
462201 agency
462251 agency
462261 agency
462271 agency
462371 agency
462411 agency

Questions

Umbrella insurance in Indianapolis

All insurance agencies in Indianapolis · Umbrella insurance across Indiana

Where can I find umbrella insurance in Indianapolis?

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.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Indianapolis agencies work with?

Among the 24 Indianapolis agencies whose appointments we hold, the companies they are most often appointed with are Travelers (17), Liberty Mutual (12), Liberty Mutual (Safeco) (12), Safeco (12), The Hartford (12). An appointed agency can quote that company's policies.

Do I need flood insurance in Indianapolis?

FEMA's National Risk Index rates inland flooding risk in Marion 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.

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.

Nearby

Umbrella insurance near Indianapolis

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