Schuetz Insurance Services
1531 Indiana Ave, Indianapolis, IN 46202
View this agency's profile to learn more about their services.
Loading...
City directory
Indianapolis households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1531 Indiana Ave, Indianapolis, IN 46202
View this agency's profile to learn more about their services.
7212 N Shadeland Ave, # 201, Indianapolis, IN 46250
View this agency's profile to learn more about their services.
1016 Country Club Rd, Indianapolis, IN 46234
View this agency's profile to learn more about their services.
3837 N High School Road, #3, Indianapolis, IN 46254
View this agency's profile to learn more about their services.
9333 N Meridian St, Suite 100, Indianapolis, IN 46260
View this agency's profile to learn more about their services.
5519 E 82nd St, Ste E, Indianapolis, IN 46250
View this agency's profile to learn more about their services.
9247 N Meridian St, #221, Indianapolis, IN 46260
View this agency's profile to learn more about their services.
10852 Golf View Drive, Indianapolis, IN 46234
View this agency's profile to learn more about their services.
8771 West Point Drive, Indianapolis, IN 46231
View this agency's profile to learn more about their services.
7212 N Shadeland Ave, Ste 201, Indianapolis, IN 46250
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Indianapolis residents.
Indianapolis home insurance averages $2,700-$3,200/year. Learn how severe weather, historic homes, and claims history affect your rates.
Home InsuranceIndianapolis home insurance averages $1,630/year. Learn about tornado deductibles, winter storm coverage, and insuring historic homes in Indiana.
Home InsuranceIndianapolis homeowners: learn what tornado damage your insurance covers, wind deductibles, basement safety, and Indiana's $5,000 safe room rebate program.
Car InsuranceIndianapolis auto insurance averages $112/month—31% below national rates. Compare top insurers, understand Indiana's at-fault laws, and save on coverage.
General Insurance EducationComplete Indianapolis insurance guide covering auto, home, and business coverage. Learn about Indiana's at-fault laws, severe weather risks, and affordable rates.
Car InsuranceIndianapolis car insurance averages $178/month. Learn about Indiana's requirements, why rates vary by zip code, and how to save on coverage.
Indianapolis homeowners pay an average of $2,700 to $3,200 annually for home insurance, though rates vary significantly based on your home's age, location, coverage amount, and claims history. This is below the national average but has increased substantially in recent years due to severe weather and rising construction costs.
Standard homeowners insurance does not cover water backup from sewers, drains, or sump pump overflow. However, you can add water backup coverage for typically $40 to $160 per year, providing $5,000 to $25,000 in protection. This is highly recommended in Indianapolis due to frequent heavy storms and aging infrastructure.
Older homes in historic Indianapolis neighborhoods cost up to 44% more to insure because they often have outdated electrical, plumbing, and roofing systems that increase claim risk. Additionally, replacing period-appropriate materials and using specialized restoration techniques costs significantly more than standard modern construction.
Hailstorms have surged 107% in Indiana since 2022, making them a major factor in rising premiums. Most policies have a separate wind/hail deductible (often 1-2% of your dwelling coverage), and filing hail claims can increase your rates for several years. Maintaining your roof and addressing damage promptly can help minimize costs.
Consider the long-term cost of rate increases before filing smaller claims. Insurance companies track your claims history for at least five years, and homeowners with clean records pay substantially less. File claims for major losses like total destruction or extensive storm damage, but consider paying out of pocket for repairs just above your deductible amount.
Most Indianapolis homeowners should add water backup coverage for sewer and sump pump issues. Consider increasing your dwelling coverage to account for rising construction costs, and verify you have adequate protection for severe weather with appropriate wind/hail coverage. Historic home owners may need specialized policies that cover period-appropriate restoration.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network