Indiana Renters Insurance

Whether you rent a studio near Indiana University in Bloomington or a family home in South Bend, renters insurance in Indiana can help you repair or replace your personal belongings if they’re damaged or stolen.

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How much does renters insurance generally cost in Indiana?

Renters insurance in Indiana can cost as little as $13.50 a month (or $161 per year) for around $35,0001 in coverage, about the same as the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does Indiana renters insurance typically cover?

Typically, renters insurance policies in Indiana can provide coverage against damage to or loss of personal belongings if caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding — a common risk in Indiana — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters. 

Is renters insurance required in Indiana?

No state laws require you to have renters insurance in Indiana. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.


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Hardy, beautiful and wonderfully fragrant, peonies have just one drawback: ants. The insects love Indiana’s state flower and will swarm its blooms. — Perdue University Extension

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Learn From Experience

Do you have more questions about renters insurance? We have answers.

Would Renters Insurance Be Worth It if I Don't Own Much?

Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.

Does Renters Insurance Cover Theft?

Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.

In a Flash, Lightning Can Fry Every Appliance (and More) in a Home. But Saving Homes From Lightning Strikes Isn’t Impossible.

Most people think of lightning strikes as incredibly rare, but lightning strikes the contiguous United States approximately 25 million times per year according to the National Severe Storms Laboratory.

1 Estimate is based on HO-4 policy with coverage of $32,000 to $37,999.