Indiana
Landlord insurance in Indiana
Costs, coverage, and local rental data for Indiana property owners. A quote is not a binder.
Indiana has about 799,766 renter-occupied homes, 29% of all occupied housing. The median owner-occupied home is valued at $218,200 and median gross rent is $1,062 a month (ACS 2020–2024). This page covers what landlord insurance costs in Indiana, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Indiana
The NAIC's average dwelling-fire premium in Indiana was $753 in 2023, which ranks 4 of the ten states we serve (highest first). The Indiana HO-3 homeowners average was $1,259. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Indiana average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $614 |
| $150,000–$199,999 | $809 |
| $200,000–$224,999 | $929 |
| $225,000–$249,999 | $871 |
| $250,000–$274,999 | $915 |
| $275,000–$299,999 | $879 |
| $300,000–$324,999 | $1,030 |
| $325,000–$349,999 | $1,064 |
| $350,000–$399,999 | $1,130 |
| $400,000–$449,999 | $1,064 |
| $450,000–$499,999 | $964 |
| $500,000–$599,999 | $752 |
| $600,000–$699,999 | $1,449 |
| $700,000–$999,999 | $1,828 |
| $1,000,000 and over | $233 |
| All amounts (state average) | $753 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Indiana Department of Insurance.
What moves your landlord quote in Indiana
- Weather exposure: tornadoes and severe thunderstorm wind; hail; frozen pipes in cold winters; basement water and sewer backup, usually excluded unless added.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Indiana home was built in 1976; roof, wiring, plumbing, and heating updates matter.
- Building type: 6% of Indiana homes are in 2–4 unit buildings and 77% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Indiana rental markets
- Indianapolis 44% renters · median value $224,800
- Fort Wayne 38% renters · median value $188,900
- Evansville 45% renters · median value $143,100
- Fishers 24% renters · median value $391,000
- South Bend 40% renters · median value $140,400
- Carmel 26% renters · median value $486,800
- Bloomington 65% renters · median value $321,400
- Hammond 38% renters · median value $159,900
- Noblesville 29% renters · median value $349,700
- Lafayette 53% renters · median value $172,800
- Greenwood 41% renters · median value $276,100
- Gary 51% renters · median value $94,700
- Muncie 48% renters · median value $97,300
- Westfield 21% renters · median value $425,700
- Kokomo 37% renters · median value $137,400
- Terre Haute 48% renters · median value $115,700
- Anderson 45% renters · median value $119,000
- Elkhart 47% renters · median value $139,500
- Jeffersonville 28% renters · median value $216,800
- Columbus 39% renters · median value $244,200
- Mishawaka 51% renters · median value $155,500
- Lawrence 34% renters · median value $230,100
- West Lafayette 71% renters · median value $350,000
- Portage 27% renters · median value $224,200
- Plainfield 38% renters · median value $280,600
Coverage guides for Indiana landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Indiana communities we serve
We accept quote requests for rentals anywhere in Indiana, including these communities, grouped by county.
Adams County: Berne, Decatur, Geneva, Monroe
Allen County: Grabill, Huntertown, Leo-Cedarville, Monroeville, New Haven, Woodburn
Bartholomew County: Clifford, Elizabethtown, Hartsville, Hope, Jonesville
Benton County: Ambia, Boswell, Earl Park, Fowler, Otterbein, Oxford
Blackford County: Hartford City, Montpelier, Shamrock Lakes
Boone County: Advance, Jamestown, Lebanon, Thorntown, Ulen, Whitestown, Zionsville
Brown County: Nashville
Carroll County: Burlington, Camden, Delphi, Flora, Yeoman
Cass County: Galveston, Logansport, Onward, Royal Center, Walton
Clark County: Borden, Charlestown, Clarksville, Sellersburg, Utica
Clay County: Brazil, Carbon, Center Point, Clay City, Harmony, Knightsville, Staunton
Clinton County: Colfax, Frankfort, Kirklin, Michigantown, Mulberry, Rossville
Crawford County: Alton, English, Leavenworth, Marengo, Milltown
Daviess County: Alfordsville, Cannelburg, Elnora, Montgomery, Odon, Plainville, Washington
Dearborn County: Aurora, Dillsboro, Greendale, Lawrenceburg, Moores Hill, St. Leon, West Harrison
Decatur County: Greensburg, Millhousen, New Point, St. Paul, Westport
Dekalb County: Altona, Ashley, Auburn, Butler, Corunna, Garrett, St. Joe, Waterloo
Delaware County: Albany, Daleville, Eaton, Gaston, Selma, Yorktown
Dubois County: Birdseye, Ferdinand, Holland, Huntingburg, Jasper
Elkhart County: Bristol, Goshen, Middlebury, Millersburg, Nappanee, Wakarusa
Fayette County: Connersville
Floyd County: Georgetown, Greenville, New Albany
Fountain County: Attica, Covington, Hillsboro, Kingman, Mellott, Newtown, Veedersburg, Wallace
Franklin County: Brookville, Cedar Grove, Laurel, Mount Carmel, Oldenburg
Fulton County: Akron, Fulton, Kewanna, Rochester
Gibson County: Fort Branch, Francisco, Haubstadt, Hazleton, Mackey, Oakland City, Owensville, Patoka, Princeton, Somerville
Grant County: Fairmount, Fowlerton, Gas City, Jonesboro, Marion, Matthews, Swayzee, Sweetser, Upland, Van Buren
Greene County: Bloomfield, Jasonville, Linton, Lyons, Newberry, Switz City, Worthington
Hamilton County: Arcadia, Atlanta, Cicero, Sheridan
Hancock County: Cumberland, Fortville, Greenfield, McCordsville, New Palestine, Shirley, Spring Lake, Wilkinson
Harrison County: Corydon, Crandall, Elizabeth, Laconia, Lanesville, Mauckport, New Amsterdam, New Middletown, Palmyra
Hendricks County: Amo, Avon, Brownsburg, Clayton, Coatesville, Danville, Lizton, North Salem, Pittsboro, Stilesville
Henry County: Blountsville, Cadiz, Dunreith, Greensboro, Kennard, Knightstown, Lewisville, Middletown, Mooreland, Mount Summit, New Castle, Spiceland, Springport, Straughn, Sulphur Springs
Howard County: Greentown, Russiaville
Huntington County: Andrews, Huntington, Markle, Mount Etna, Roanoke, Warren
Jackson County: Brownstown, Crothersville, Medora, Seymour
Jasper County: DeMotte, Remington, Rensselaer, Wheatfield
Jay County: Bryant, Dunkirk, Pennville, Portland, Redkey, Salamonia
Jefferson County: Brooksburg, Dupont, Hanover, Madison
Jennings County: North Vernon, Vernon
Johnson County: Bargersville, Edinburgh, Franklin, New Whiteland, Prince's Lakes, Trafalgar, Whiteland
Knox County: Bicknell, Bruceville, Decker, Edwardsport, Monroe City, Oaktown, Sandborn, Vincennes, Wheatland
Kosciusko County: Burket, Claypool, Etna Green, Leesburg, Mentone, Milford, North Webster, Pierceton, Sidney, Silver Lake, Syracuse, Warsaw, Winona Lake
Lagrange County: Lagrange, Shipshewana, Topeka
Lake County: Cedar Lake, Crown Point, Dyer, East Chicago, Griffith, Highland, Hobart, Lake Station, Lowell, Merrillville, Munster, New Chicago, Schererville, Schneider, St. John, Whiting, Winfield
Laporte County: Kingsbury, Kingsford Heights, La Crosse, La Porte, Long Beach, Michiana Shores, Michigan City, Pottawattamie Park, Trail Creek, Wanatah, Westville
Lawrence County: Bedford, Mitchell, Oolitic
Madison County: Alexandria, Chesterfield, Country Club Heights, Edgewood, Elwood, Frankton, Ingalls, Lapel, Markleville, Orestes, Pendleton, River Forest, Summitville, Woodlawn Heights
Marion County: Beech Grove, Clermont, Crows Nest, Homecroft, Meridian Hills, North Crows Nest, Rocky Ripple, Southport, Speedway, Spring Hill, Warren Park, Williams Creek, Wynnedale
Marshall County: Argos, Bourbon, Bremen, Culver, La Paz, Plymouth
Martin County: Crane, Loogootee, Shoals
Miami County: Amboy, Bunker Hill, Converse, Denver, Macy, Peru
Monroe County: Ellettsville, Stinesville
Montgomery County: Alamo, Crawfordsville, Darlington, Ladoga, Linden, New Market, New Richmond, New Ross, Waveland, Waynetown, Wingate
Morgan County: Bethany, Brooklyn, Martinsville, Monrovia, Mooresville, Morgantown, Paragon
Newton County: Brook, Goodland, Kentland, Morocco, Mount Ayr
Noble County: Albion, Avilla, Cromwell, Kendallville, Ligonier, Rome City, Wolcottville
Ohio County: Rising Sun
Orange County: French Lick, Orleans, Paoli, West Baden Springs
Owen County: Gosport, Spencer
Parke County: Bloomingdale, Marshall, Mecca, Montezuma, Rockville, Rosedale
Perry County: Cannelton, Tell City, Troy
Pike County: Petersburg, Spurgeon, Winslow
Porter County: Beverly Shores, Burns Harbor, Chesterton, Dune Acres, Hebron, Kouts, Ogden Dunes, Porter, Town of Pines, Valparaiso
Posey County: Cynthiana, Griffin, Mount Vernon, New Harmony, Poseyville
Pulaski County: Francesville, Medaryville, Monterey, Winamac
Putnam County: Bainbridge, Cloverdale, Fillmore, Greencastle, Roachdale, Russellville
Randolph County: Farmland, Losantville, Lynn, Modoc, Parker City, Ridgeville, Saratoga, Union City, Winchester
Ripley County: Batesville, Holton, Milan, Napoleon, Osgood, Sunman, Versailles
Rush County: Carthage, Glenwood, Rushville
Scott County: Austin, Scottsburg
Shelby County: Fairland, Morristown, Shelbyville
Spencer County: Chrisney, Dale, Gentryville, Grandview, Richland, Rockport, Santa Claus
St. Joseph County: Indian Village, Lakeville, New Carlisle, North Liberty, Osceola, Roseland, Walkerton
Starke County: Hamlet, Knox, North Judson
Steuben County: Angola, Clear Lake, Fremont, Hamilton, Hudson, Orland
Sullivan County: Carlisle, Dugger, Farmersburg, Hymera, Merom, Shelburn, Sullivan
Switzerland County: Patriot, Vevay
Tippecanoe County: Battle Ground, Clarks Hill, Dayton, Shadeland
Tipton County: Kempton, Sharpsville, Tipton, Windfall City
Union County: Liberty, West College Corner
Vanderburgh County: Darmstadt
Vermillion County: Cayuga, Clinton, Dana, Fairview Park, Newport, Perrysville, Universal
Vigo County: Riley, Seelyville, West Terre Haute
Wabash County: La Fontaine, Lagro, North Manchester, Roann, Wabash
Warren County: Pine Village, State Line City, West Lebanon, Williamsport
Warrick County: Boonville, Chandler, Elberfeld, Lynnville, Newburgh, Tennyson
Washington County: Campbellsburg, Little York, Livonia, New Pekin, Salem, Saltillo
Wayne County: Boston, Cambridge City, Centerville, Dublin, East Germantown, Economy, Fountain City, Greens Fork, Hagerstown, Milton, Mount Auburn, Richmond, Spring Grove, Whitewater
Wells County: Bluffton, Ossian, Poneto, Uniondale, Vera Cruz, Zanesville
White County: Brookston, Burnettsville, Chalmers, Monon, Monticello, Reynolds, Wolcott
Whitley County: Churubusco, Columbia City, Larwill, South Whitley
Indiana landlord insurance FAQ
Is landlord insurance required in Indiana?
No Indiana statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Indiana?
The NAIC reported a 2023 Indiana average dwelling-fire premium of $753, compared with $1,259 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Indiana?
The Indiana Department of Insurance licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Indiana landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Indiana Department of Insurance
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Last updated October 15, 2026. Sources and method: how we research.