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Indianapolis Insurance
Insurance in Indianapolis, IN
Central Indiana sees hail, high wind and the occasional tornado, and claims follow. We compare insurers for families, small businesses and contractors across Indianapolis and the surrounding counties.
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Coverage in Indianapolis
What We Write in Indianapolis
Personal
Home, auto, flood, renters and condo, and umbrella, with help choosing deductibles for wind and hail.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of Indiana business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting local contractor licensing and workers' comp rules.
Learn More →Know Before You Buy
What Indianapolis Clients Should Know
Storms and local licensing rules are what most often change coverage around Indianapolis.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Hail and wind drive claims. Roof damage from hail and wind is the most common home claim in Central Indiana. Some policies pay older roofs at actual cash value, so check how yours settles.
- Indiana auto minimums. Indiana requires at least 25/50/25 liability. Uninsured motorist coverage is included unless you reject it in writing.
- Local contractor licensing. Indiana has no statewide general contractor license, but Indianapolis and many surrounding cities license contractors and ask for proof of insurance.
- Comp for employers with employees. Indiana requires workers' comp for employers with employees. Some sole proprietors and partners can apply for an exemption.
- Sewer backup is extra. Basement water from a backed-up sewer or drain usually needs its own endorsement on a home policy.
Where We Work
Serving Central Indiana
We work with clients across Central Indiana by phone, text and email, including:
IndianapolisCarmelFishersNoblesvilleWestfieldZionsvilleGreenwoodLawrenceAvonPlainfieldBrownsburgFranklinAndersonShelbyville
State rules and coverage details: Indiana insurance
Questions
Indianapolis Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is my roof covered at full replacement cost?
It depends on the policy. Some insurers settle older roofs at actual cash value, which subtracts depreciation. We show you how each quote settles roof claims.
Do Indianapolis contractors need a license?
Many do. Indiana leaves contractor licensing to local governments, and Indianapolis licenses several contractor types. We can provide the certificates of insurance they ask for.
Can you insure my home and car together?
Yes. Bundling often lowers the price, and we compare bundled and separate quotes so you see the real savings.
Licensing
Licensed Agents in Indiana
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Indiana producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Indiana.