Best Home Insurance Options in Bloomington, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 14
- 2 min read
Finding the best home insurance options in Bloomington, Indiana is about more than price—it’s about choosing coverage that protects your home, belongings, and finances. Bloomington homeowners face unique risks, including storms, older homes, and liability concerns, making the right policy essential.
This guide explores top insurance options, necessary coverages, and how Wexford Insurance can help you compare quotes and secure the best policy for your home.
Understanding Home Insurance Needs in Bloomington
Bloomington homes have specific risks that affect coverage and pricing:
Severe weather, including hail, windstorms, and heavy rain
Older homes and historic properties near downtown and Indiana University
Liability risks in rental-heavy neighborhoods
Rising building and reconstruction costs in Indiana
Top Home Insurance Options in Bloomington
The most common option, covering your home against most perils while protecting personal belongings and liability.
Provides broader coverage for personal property and fewer exclusions than standard policies—ideal for higher-value homes.
Specifically designed for condo owners, covering interiors, personal property, and liability while the condo association covers the building structure.
4. Landlord Insurance
If you rent your property, landlord insurance protects against property damage, liability, and lost rental income.
Necessary Home Insurance Coverages in Bloomington
To ensure adequate protection, consider these essential coverages:
Dwelling Coverage – Protects your home’s structure
Personal Property Coverage – Covers belongings like electronics, furniture, and clothing
Liability Insurance – Protects against lawsuits for injuries or damages
Loss of Use Coverage – Pays for temporary living expenses if your home is uninhabitable
Other Structures Coverage – Covers detached structures like garages or sheds
How Wexford Insurance Helps Bloomington Homeowners
Wexford Insurance is a local independent agency that helps homeowners:
Compare multiple top-rated insurers
Find competitive rates and discounts
Customize coverage to unique property needs
Review and update policies as your home and risks change
Whether you own a single-family home, condo, or rental near Indiana University, Wexford Insurance can help you select the best home insurance option for your property.
👉 Get a Bloomington, Indiana home insurance quote from Wexford Insurance today and find the coverage that fits your needs.
