Personal Insurance for Your Home & Family
Coverage Tailored to Everyday Life
Mitchell Agency delivers personal insurance for Indiana residents with flexible choices for homes, apartments, vehicles, and travel. Work with one local advisor to compare carriers, bundle when it makes sense, and keep policies coordinated as your life changes—here in Lafayette, across the state, or nationwide.
From school drop-offs to interstate drives across Indiana and beyond, choose liability, collision, and comprehensive options matched to how you drive. We’ll walk you through limits, deductibles, and available discounts so your car, truck, or SUV is properly covered.
Whether you own a historic home, a new build, or something in between, The Mitchell Agency helps protect your dwelling, personal property, and liability exposures that matter most. Add endorsements for valuable belongings or seasonal risks, and we’ll make sure your coverage keeps pace with your lifestyle—throughout Indiana and beyond.
Cover what’s inside your apartment or condo—electronics, furniture, clothing—and the liability that follows you. We’ll explain master policy gaps for condos and show how bundling with auto can save.
Extend liability beyond home and auto with higher limits designed for real-world risks, from serious injury claims to multi-vehicle accidents.
Why Mitchell Agency for Personal Policies
As an independent agency, The Mitchell Agency compares multiple carriers, coordinates all your policies, and makes service simple—one team for changes, questions, certificates, and claims—whether you’re in Indiana or operating across state lines.
Answers to Common Personal Insurance Questions
How can I bundle my home and auto insurance?
We can place your home and auto policies with the same carrier; or with different carriers if that provides better protection or pricing. Bundling often earns multi-policy discounts and makes it easier to manage your coverage in one place.
Does renters insurance cover my roommate’s stuff?
Renters insurance generally only covers the personal property of the named insured on the policy. Each roommate should carry their own policy to make sure their belongings are protected.
What factors affect my auto insurance rate?
Your driving record, type of vehicle, coverage choices, and credit-based insurance scores (where permitted) all play a role. Claim patterns such as accident frequency can also influence rates.
Do I need umbrella insurance if I already have home and auto coverage?
Umbrella insurance adds an extra layer of liability protection on top of your home and auto policies. It’s especially valuable if you want affordable coverage for major claims or lawsuits that exceed your primary policy limits.
What does homeowners insurance typically cover in Indiana?
A standard homeowners policy covers your dwelling, personal belongings, and personal liability. It also includes additional living expenses if you’re temporarily displaced after a covered event like a fire or storm.
