How Much Does Home Insurance Cost in Columbus, Indiana?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Home insurance is a critical investment to protect your most valuable asset—your home. For homeowners in Columbus, Indiana, understanding the cost of insurance helps you make informed decisions while ensuring your property and belongings are fully protected.
Average Cost of Home Insurance Quote in Indiana
Home insurance costs vary across Indiana, but Columbus homeowners often pay significantly less than the state average.
The average annual homeowners insurance rate in Indiana ranges between $2,991–$3,136 ($249–$261 monthly) for standard coverage (like $250–300K dwelling, $125K personal property, $200K liability, $1K deductible).
However, in Columbus, IN, the average cost drops to around $1,150 per year, depending on coverage levels and discounts.
Why Columbus Is More Affordable
Lower average home values and reduced risk exposure compared to large metro areas help keep premiums low.
Competitive carrier presence in the region provides added savings.
What Affects the Cost?
Dwelling Coverage: The amount needed to rebuild your home. Higher limits = higher premiums.
Home Type & Age: Newer construction and updated systems lower risk and cost.
Deductibles: Choose between lower premiums (higher deductible) or lower out-of-pocket costs during a claim.
Claims History & Credit Score: Better credit and fewer claims typically result in lower rates.
Location-Specific Risks: Columbus faces moderate tornado, hail, and windstorm exposure.
Coverage You Shouldn’t Ignore
A comprehensive Columbus home insurance policy includes:
Dwelling Coverage: For structural damage like fire or wind.
Other Structures: Covers garages, fences, sheds.
Personal Property: Protects belongings from theft or damage.
Liability Protection: Covers injuries on your property.
Additional Living Expenses: Pays for temporary housing if your home is uninhabitable.
Extensions/Add‑Ons: Consider flood/sewer backup, scheduled personal property, umbrella coverage.
Compare: Columbus vs. Indiana Average
Location | Average Annual Premium |
Indiana (overall) | $2,991–$3,136 |
Columbus, IN | $1,150 |
Save Money on Your Policy
Bundle Home + Auto Insurance for multi-policy discounts.
Install Safety Features like smoke detectors, security systems, storm shutters.
Opt for Higher Deductibles if you’re financially prepared.
Maintain Good Credit and a claim-free history.
Review Annually and shop around—rates and coverage change year-to-year.
📌 Refer to Wexford Insurance
At Wexford Insurance, our Columbus agents help you secure the ideal home insurance policy—complete with savings on bundling, safety, and claims avoidance. Request a Free Quote from Wexford Insurance
