Indiana renters insurance

Find renters insurance in Indiana for less than $1/day^* through Progressive. Discounts can make renters insurance even more affordable without sacrificing the protection you need as a tenant. Learn how renters insurance coverages work in the Hoosier State.

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Indiana renters insurance coverages

Check out the four standard coverages on nearly all Indiana renters insurance policies:

Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Indiana is always a policy with customized coverage. Here are some extra options for when you need more protection:

Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Indiana?

Renters insurance isn't required by law in Indiana, but your landlord or rental company may require you to have a policy. Even if it's not required, renters insurance may provide protection when unexpected events happen, such as covering your temporary living expenses if your residence is uninhabitable due to a covered loss.

Pro tip:

Need to protect your personal property during a move or while items are in storage? Learn how a policy may provide coverage when moving or storing your belongings.

Is renters insurance worth it in Indiana?

Renters insurance is an inexpensive way to protect yourself as a tenant in various situations. Consider the following:

A small fire in your rental unit damages your furniture and electronics. Your personal property coverage may pay to replace the items, up to your coverage limits.
Your friend is cut by broken glass at your residence. Medical payments coverage may pay for their injuries, up to your coverage limits.
Water damage to your residence requires you to stay in a hotel while repairs are being made. Loss of use coverage may pay hotel costs and grocery expenses, above what you normally spend, up to your coverage limit.

How much is renters insurance in Indiana?

Progressive renters policies in Indiana had an average monthly price of $17.30, or $207.65 for an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by several components, such as your location, type of residence, and claims history.

Your policy's personal property coverage limit can also impact your cost. Taking a home inventory can help ensure you customize your policy with the right amount of coverage. Use our personal property calculator to estimate the value of your personal belongings.

How can I save on renters insurance in Indiana?

Take advantage of renters insurance discounts with Progressive to help lower your cost. You may be able to save by bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

Bundle your Indiana renters with auto insurance and save!

You may be able to earn a discount if you have more than one policy with Progressive. Learn more about bundling insurance.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 or talk with an agent in your area to help ensure you're getting all applicable discounts.