Ahlers & Associates
11807 Allisonville Road, Suite 150, Fishers, IN 46038
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Fishers households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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11807 Allisonville Road, Suite 150, Fishers, IN 46038
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10106 Brooks School Rd, # 200, Fishers, IN 46037
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8756 E 116th St, Fishers, IN 46038
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8100 E. 106th St, #260, Fishers, IN 46038
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8270 Courtney Drive, Fishers, IN 46038
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10412 Allisonville Road, Suite 217, Fishers, IN 46038
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7050 E 116th St, Ste 200, Fishers, IN 46038
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Learn about insurance coverage options specific to Fishers residents.
Fishers home insurance averages $3,017/year. Learn how tornado risk affects rates, get savings tips, and find the right coverage for your family.
General Insurance EducationComprehensive insurance guide for Fishers, IN residents. Compare auto insurance rates ($1,754 avg), home insurance costs, and coverage requirements.
Car InsuranceFishers drivers pay $1,754/year for auto insurance, $102 below Indiana's average. Learn about at-fault rules, 25/50/25 minimums, and how to save.
Yes, tornado activity does impact rates in Fishers. Indiana experienced 57 tornadoes in 2024—double the typical annual average—which led to rate increases of 12-13% across the state in recent years. Fishers homeowners pay an average of $3,017 annually, slightly above the state average, largely due to increased severe weather risk. However, you can offset these costs by installing storm-resistant features and shopping around for competitive rates.
Yes, standard homeowners insurance policies in Indiana cover wind damage from tornadoes, including damage to your home's structure and your personal belongings. However, you'll need to pay your deductible before coverage kicks in. Make sure your dwelling coverage is high enough to rebuild your entire home if necessary, and consider whether you have adequate coverage for personal property replacement.
Absolutely. Homes built after 2020 in Fishers average just $1,840 per year for insurance, compared to $3,294 for homes built in 1980—a 44% difference. Newer homes feature modern building codes, updated electrical and plumbing systems, and more durable roofing materials, all of which reduce risk and lower premiums. If you're buying new construction in one of Fishers' growing developments, this is one of the financial benefits you'll enjoy.
While most of Fishers isn't in a high-risk flood zone, flood insurance is still worth considering, especially if your home is near a creek or in a low-lying area. Standard homeowners policies don't cover flood damage at all. Because Fishers isn't high-risk, flood insurance through the National Flood Insurance Program is relatively affordable. Given the increasing frequency of severe weather and heavy rainfall events, the modest annual cost provides valuable protection.
Bundling typically saves 15-25% on your home insurance premium. If you're paying the Fishers average of $3,017 per year, bundling could save you $450 to $750 annually. Most major insurers offer bundling discounts, and it also simplifies your insurance management by having everything with one company. When shopping for quotes, always ask about multi-policy discounts.
Storm-resistant improvements offer significant savings in Fishers. Installing reinforced garage doors, window safety film, and roof bracing can all qualify for discounts while protecting your home during severe weather. Adding a home security system, updating your roof, upgrading electrical and plumbing systems, and installing a safe room can also reduce premiums. Document all improvements and contact your insurer to ensure you're getting credit for these upgrades.
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