Home Home insurance Average home insurance cost Indiana Fishers, IN Average homeowners insurance cost in Fishers, Indiana Home insurance in Fishers costs an average of $3,017 per year for $300,000 in dwelling coverage and $100,000 in liability protection, according to our data. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Fishers, homeowners pay an average annual rate of $3,017 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $435 more than the national average of $2,582 .Homeowners insurance rates change from one home to another. The home insurance premium in Fishers depends on various factors, such as:Size of your homeAge of your homeAmount of coverage requiredLocationYour credit scoreTo ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.Read this guide to learn how much homeowners insurance costs monthly in Fishers, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Fishers. Key TakeawaysIn Fishers, homeowners insurance costs $3,017 annually.Allstate offers the most affordable homeowners insurance in Fishers with an average annual premium of $1,243 .If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $698 higher.Average homeowners insurance cost in Fishers per monthFishers homeowners pay an average of $251 a month. It’s $4 more than the state average of $247 and $36 more than the national average for home insurance across the nation. The price of your homeowners insurance policy in Fishers may vary depending on where you live, the value of your home, and the coverage you choose.Average homeowners insurance cost for a $200,000 houseHomeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $2,319 per year in Fishers. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.Average homeowners insurance cost for a $300,000 houseHomeowners in Fishers typically pay an average of $3,017 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $698 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.Average homeowners insurance cost in Fishers by companyAmong the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Fishers. Its average annual rate for homeowners in Fishers is $1,243 , while Indiana Farmers ranks second.Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Fishers and compiled a list of the most affordable home insurance companies.Below are details of Fishers home insurance companies and their average annual premiums.Home Insurance Company Annual rate Allstate$1,243Indiana Farmers$1,452State Farm$2,075Erie Insurance$2,275American Family$2,353Auto-Owners$3,087Farmers$3,637Indiana Farm Bureau Grp$4,761Travelers$7,297Nationwide$2,614USAA*$2,551*USAA is only available to military community members and their families.Powered by:Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.Natural disasters in Indiana that can impact your home insuranceLiving in Indiana comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.Indiana is commonly affected by Cold wave, Strong wind, Tornado, and Winter weather.How home insurance protects you against natural disastersHome insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.Keep in mind: Standard policies may not cover everythingWhile homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Fishers for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?EvansvilleFort WayneIndianapolisSouth BendShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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Most Americans don’t 1/1 Related Articles Cost of living comparison by state By Chris Kissell Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel $400K home insurance cost calculator By Zack Sigel Homeowners insurance rates by state in 2025 By Jake Safane Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir On this page Average homeowners insurance cost in Fishers per monthAverage homeowners insurance cost for a $200,000 houseAverage homeowners insurance cost for a $300,000 houseAverage homeowners insurance cost in Fishers by companyNatural disasters in Indiana that can impact your home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844) 761-9316