Alpha Insurance Agency
5724 Green St, Fl 2, Brownsburg, IN 46112
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Brownsburg households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5724 Green St, Fl 2, Brownsburg, IN 46112
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5724 N Green Street, Floor 2, Brownsburg, IN 46112
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191 N Green St, Brownsburg, IN 46112
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7230 Arbuckle Commons, Suite 160, Brownsburg, IN 46112
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690 W Northfield Dr, Suite 600, Brownsburg, IN 46112
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7230 Arbuckle Cmns, #120, Brownsburg, IN 46112
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Learn about insurance coverage options specific to Brownsburg residents.
Brownsburg home insurance averages $3,136/year. Learn about tornado coverage, flood insurance needs, and how to protect your Hendricks County home.
Car InsuranceLearn about auto insurance requirements in Brownsburg, Indiana. Understand 25/50/25 minimums, at-fault rules, and I-74 corridor coverage needs.
General Insurance EducationComplete insurance guide for Brownsburg, IN residents. Learn about required coverage, average costs, bundling savings, and local agents in Hendricks County.
The average homeowners insurance premium in Indiana is around $3,136 annually, or roughly $261 per month. Your specific rate in Brownsburg will depend on your home's value, coverage limits, deductible, and the insurance company you choose. Rates have increased 40.4% over the past six years due to severe weather claims, including the tornado that struck Brownsburg in April 2025.
Yes, standard homeowners insurance policies cover tornado damage to your home and belongings. However, many insurers in tornado-prone areas have separate wind/hail deductibles that are higher than your standard deductible—often 1-5% of your dwelling coverage rather than a flat dollar amount. Make sure you understand what your specific policy requires before you need to file a claim.
Flood insurance isn't required by law, but it's highly recommended, especially if you live near White Lick Creek or in areas with known drainage issues. Standard homeowners policies don't cover flooding, and Indiana's numerous rivers and tributaries make this a real risk even for homes not in official flood zones. You can purchase flood insurance through the National Flood Insurance Program (NFIP) or private insurers.
Experts recommend insuring your home for at least 80% of its replacement value—not its market value. With median home prices around $350,000 and construction costs running $130-$170 per square foot in Brownsburg, calculate what it would actually cost to rebuild your home from the ground up. That's your target dwelling coverage amount, and it may be higher than what you paid for the house.
Bundle your home and auto insurance for 15-25% discounts, install monitored security systems and protective devices, raise your deductible if you can afford a higher out-of-pocket cost, and shop around with at least three insurers. Newer homes with updated electrical, plumbing, and HVAC systems often qualify for lower rates, so make sure your insurer knows about any recent improvements or if you bought new construction.
On April 2, 2025, an EF2 tornado with peak winds of 120 mph struck Brownsburg, traveling 9.57 miles through the southern portion of downtown and across Northfield Drive. The tornado damaged over 20 homes in the Branches neighborhood and severely damaged the Sur La Table warehouse. This was part of a larger outbreak where 20 tornadoes touched down across Indiana in a single day, highlighting the real tornado risk homeowners face in this area.
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