Homeowners Insurance to Protect Your Home
Protect Your Home with Local Expertise
Homeowners insurance in Indiana should reflect regional weather, varied home styles, and true rebuilding costs—not just averages. The Mitchell Agency helps homeowners in Lafayette and West Lafayette as well as communities across Tippecanoe County and throughout Indiana select house, condo, and landlord coverage that fits your property, budget, and risk tolerance.
What Does Home Insurance Cover?
A standard homeowners policy typically includes dwelling coverage for the structure itself, personal property coverage for your belongings, and personal liability protection if someone is injured at your home. It can also extend to other structures like detached garages, fences, or sheds, plus loss of use coverage for temporary living expenses if a covered loss makes your home unlivable. The Mitchell Agency reviews each policy to ensure your limits stay aligned with Indiana construction costs and today’s rebuilding realities—not outdated estimates.
Options for Risks & Special Belongings
Ask about
flood insurance (separate from homeowners) if your property is near the Wabash River or in a low-lying area. We’ll also review
earthquake endorsements and
scheduled coverage for high-value items like jewelry, art, or collectibles. For added protection, The Mitchell Agency can discuss
water backup,
equipment breakdown, and
matching-siding or roof endorsements—options many Indiana homeowners now include for broader peace of mind.
Condo Owners & Landlords
Condo insurance covers your unit interior, improvements, and personal property while addressing gaps in the master policy. If you rent out a home, a landlord policy protects the dwelling and your landlord liability differently than an owner-occupied policy-let's set it up properly.
Ways to Save on Home Insurance
Bundle with auto, install monitored alarms, ask about new-roof or claim-free credits, and keep an updated
home inventory to right-size your limits. We'll find every eligible discount and explain the trade-offs.
Guidance from a Lafayette Team
From hail and wind to winter freeze, local knowledge matters. The Mitchell Agency reviews
replacement cost assumptions, ordinance or law coverage for
older homes, and liability options so your protection matches the way you live.
Answers to Common Home Questions
Is flood insurance included in my homeowners policy?
No. Flood is separate through the NFIP or private markets; we'll help you evaluate the need if you're near the Wabash or mapped flood zones.
How much dwelling coverage do I need?
We recommend replacement cost based on local construction inputs-not market price. Our tools estimate rebuild costs for Lafayette homes and we'll adjust for features and finishes.
Does homeowners cover tornado or hail damage?
Wind and hail are typically covered in Indiana policies, subject to your deductible. We'll confirm your wind/hail terms and discuss roof-specific endorsements if helpful.
I rent out a house-do I need different coverage?
Yes, a landlord or rental dwelling policy is designed for tenant-occupied homes. It addresses landlord liability and income loss differently than owner-occupied coverage.
