What Does Home Insurance Cover in Greenwood Indiana?

Nate Jones, CPCU, ARM, CLCS, AU
Dec 25, 2025
1 min read

If you own a home in Greenwood, Indiana, you’ve probably wondered: What exactly does my homeowners insurance cover? Understanding your policy is key to protecting your investment and avoiding surprises when filing a claim.

1. Dwelling Coverage

This protects the structure of your home—walls, roof, floors—against risks like fire, wind, hail, and vandalism.Tip: Make sure your coverage equals the cost to rebuild your home, not just its market value.

2. Personal Property Coverage

Your belongings matter. Furniture, electronics, clothing—these are covered if damaged or stolen. Pro Tip: Create a home inventory to ensure accurate coverage.

3. Liability Protection

If someone gets injured on your property, liability coverage helps pay for medical bills and legal fees.Example: A slip on icy steps during an Indiana winter could lead to costly claims.

4. Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, this coverage pays for temporary housing and meals. Why It Matters: Greenwood winters can be harsh—burst pipes or storm damage could force you out temporarily.

What’s NOT Covered?

Standard policies usually exclude:

Flood damage
Sewer backup
Earthquakes

External Resource: Check FEMA’s Flood Map Service Center to see if your home is in a flood zone.

Why Understanding Coverage Matters

Knowing what’s included—and what’s not—helps you avoid gaps that could cost thousands. Greenwood homeowners should review their policy annually, especially after renovations or major weather events.