Homeowners Insurance in Indiana

Protect the Place You Call Home

For most families, a home is the biggest investment they’ll ever make. Michaels Insurance has been helping Northern Indiana homeowners since 1982. As an independent agency, we compare multiple insurance companies to find coverage that fits your home and your budget.

No two policies are alike. Companies differ on what they cover, which endorsements they offer and what limits and conditions apply. We’ll explain the differences so you know exactly what you’re buying.

Common Homeowners Coverages

• Dwelling: Covers the house itself. We’ll help you estimate what it would cost to rebuild, which can differ a lot from market value.
• Other Structures: Covers fences, sheds, detached garages and similar structures. It’s often a percentage of your Dwelling limit and can usually be increased.
• Personal Property: Covers your belongings: furniture, clothing, electronics and appliances.
• Loss of Use: Helps with living expenses if a covered loss makes your home unlivable.
• Personal Liability: Protects you if someone is injured or you damage someone else’s property. We’ll help you choose limits that protect your assets.
• Medical Payments: Covers guests who are injured on your property.
• Scheduled Personal Property: Extra coverage for valuables like jewelry or collectibles.

Rental or Vacant Property?

A standard homeowners policy won’t cover a rental or unoccupied home. You’ll need a landlord or dwelling policy, and we can help with that too.

Why Michaels Insurance

• Independent: We shop multiple carriers for you.
• Local: Stop by 115 S. Main Street in Goshen or give us a call.
• No extra cost: We’re paid by the insurance companies.
• Se habla español.

Every home is unique, and therefore requires a carefully crafted policy. Head to our quotes page to enter some basic information to get started.