Where the Indiana Home Market Stands
Indiana homeowners insurance faces tornado, hail, and severe thunderstorm exposure across the state — particularly in central and southern Indiana — but premiums generally run below the national average in absolute terms. Carriers still file when loss ratios require rate adequacy, and competitive cuts appear when a writer's book is profitable enough to chase new business.
Our initial Indiana homeowners SERFF review confirms one meaningful rate decrease and one form-only filing with no overall rate level change. This tracker will expand as additional carrier filings are confirmed.
Use the grid below alongside your renewal paperwork, not as a quote — your dwelling limit, deductible, roof age, and claims history still drive the final number. For Indiana coverage basics, see our Indiana home insurance guide. For auto filings in the same state, see our Indiana auto insurance rate tracker.
| Carrier | Direction | Magnitude | Effective (NB / Ren) | Source |
|---|---|---|---|---|
| Branch | Cut: Cut | -15.0% | — | SERFF — Proposed Rate Change memo (overall rate level) |
| Travelers | Flat: Flat | — | — | SERFF — Form filing only; no overall rate level change |
- BranchDirectionCut: CutMagnitude -15.0%Effective—Source SERFF — Proposed Rate Change memo (overall rate level)
- TravelersDirectionFlat: FlatMagnitude —Effective—Source SERFF — Form filing only; no overall rate level change
Why Rates Are Moving
Branch's -15.0% overall rate level change is the headline move in this Indiana homeowners snapshot. That magnitude points to sharper new-business pricing — consistent with Branch's pattern in other Midwest states where loss experience allows competitive cuts after prior hard-market increases.
Travelers had SERFF activity classified as a form filing only, with no overall rate level change published in the Proposed Rate Change documentation we reviewed. Form updates can change policy language or rating variables without moving the statewide average — individual premiums may still shift at renewal based on Coverage A inflation guards and territory factors.
We will add rows as additional Indiana homeowners carriers post approved rate filings. Appointed carriers we shop for home include Travelers, Nationwide, Liberty Mutual, Branch, and Openly — tracker rows may include other market writers when their SERFF filings are confirmed.
What This Means for Indiana Homeowners
If your renewal is within 60 to 90 days, run a comparative quote with matching Coverage A and deductibles before you assume your current carrier is still the best fit. Carriers cutting overall rates are often sharper on new business than on renewals — the same pattern we document in Ohio and Wisconsin.
Rate filings for all carriers are public record through SERFF Filing Access.
