Options to meet your needs

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Grange offers quality homeowners insurance and discounts to help you save. Independent agents help you choose the right coverages and discounts for your perfect insurance fit.

Common Indiana homeowners insurance questions

Homeowners insurance is not required in the state of Indiana. It may be required by your mortgage lender.

Coverage What it covers
Dwelling Covers damage to your home’s physical structure. 
Other structures Protects against damage to other buildings and features like a detached garage, barn or fencing.
Personal property Pays for damage to your personal or household belongings, regardless of if you are at home or away.
Loss of use If your home cannot be occupied because of a covered loss, this covers necessary additional expenses while you live elsewhere.
Personal liability Pays for legal fees, court-ordered payments or settlement amounts if you cause injury to someone or damage their property.
Medical payments to others Covers medical expenses if someone is accidentally injured at your home.


Learn about additional homeowners insurance coverages


Underground service lines is an optional coverage that you must add to a standard homeowners insurance policy. You should consider adding this coverage to your policy since homeowners are legally responsible for the maintenance of service lines from their home to their property line.

The price of a homeowners insurance policy will depend on what coverages you select and the characteristics of your home (like how old the building is or if it has elaborate design). Your independent insurance agent can work with you to ensure you have the necessary coverage at a price that fits your budget.

The best homeowners insurance is built to fit your individual needs. Working with an independent agent is the best way to ensure you have the right coverage for you. They can suggest and explain the coverages you need. Find an agent to get started.

Homeowners should buy insurance before finalizing the purchase of their home. When you buy insurance, the declaration pages provide coverage details and the policy effective date, which are needed to close on your home.

It is your choice where to buy homeowners insurance. However, your mortgage lender may partner with or suggest a specific insurance company. It is best to consult an independent insurance agent and shop around to ensure you have the right coverage for you.

Typically, homeowners insurance will provide some coverage for buildings not attached to your home and you can add additional coverage if needed. Some exclusions may apply (for example, if the building is used for business purposes).


Home appliances are usually considered personal property. They would be covered only if they are damaged by specific events listed in your policy. There are some exceptions, for example:


  • If the appliance is permanently attached to your home
  • If you’ve purchased a Special Personal Property Coverage endorsement

The state of Indiana does not require renters insurance. However, your landlord may require it as part of your lease.

Your homeowners policy may provide some coverage for business property. There are optional coverages you may purchase for addition protection. We recommend consulting with an insurance agent to ensure your business property is protected.


Additional optional coverages that can protect your home-based business are identity theft insurance, personal cyber insurance and equipment breakdown coverage.

Get a quote

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Many ways to save

Save money with a variety of discounts.

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A customized policy made for you

Learn about coverages most important to you.

See all coverages


Read customer reviews

We are committed to using feedback to improve our customer service. Here’s what Indiana homeowners insurance customers have to say about Grange.

Five star rating

Randy H. 

I’ve had Grange auto and home coverage for nearly 20 years. Each time I’ve submitted a claim Grange handled them quickly, professionally and beyond my expectations! I absolutely consider Grange as the standard to which all insurance companies should be measured!

Colleen C.

I'm so happy to be a Grange customer. They are very helpful – always there in your time of need and quick to get you the help you need. I’ve been with them for over 10 years and don't plan to go anywhere. 

Jordan P. 

The coverage is great! Grange has always taken care of us. The customer support is efficientWhen we had a claim, the process was smooth. We are very satisfied and glad we are with Grange.

David B.  

In 15 years, we had one claim on our roof. Grange helped us quite a bit. We also have a very helpful agent.

Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent insurance agents consider your needs and the unique features of your home to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options. 

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It's easier to comparison shop

Unlike shopping for homeowners insurance online, working with an independent agent makes it easy to compare home policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions. 

Find an agency

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.