Diversified Insurance Inc.
1602 E 8th St, Jeffersonville, IN 47130
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1602 E 8th St, Jeffersonville, IN 47130
View this agency's profile to learn more about their services.
330 E Court Ave, Jeffersonville, IN 47130
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230 E Court Ave, Jeffersonville, IN 47130
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jeffersonville residents.
Jeffersonville home insurance guide covering Ohio River flood risk, tornado coverage, and rates. Compare quotes and protect your Clark County property.
Car InsuranceGet the best auto insurance in Jeffersonville, Indiana. Learn about 25/50/25 requirements, at-fault rules, and how to save on coverage in Clark County.
General Insurance EducationComplete insurance guide for Jeffersonville, Indiana. Learn about flood insurance discounts, auto requirements, and home coverage near the Ohio River.
Potentially yes. While the flood wall provides protection, it's not absolute, and heavy rainfall can cause localized flooding from overwhelmed drainage systems. If your property is in a FEMA-designated high-risk flood zone and you have a mortgage, flood insurance is required. Even outside high-risk zones, over 20% of flood claims come from moderate-to-low risk areas, so coverage is worth considering given Jeffersonville's history with the Ohio River.
Indiana homeowners pay an average of $1,980 to $3,136 annually for home insurance, though rates in Jeffersonville may vary based on flood and tornado risk. Factors like your credit score, home age, claims history, and proximity to the Ohio River significantly affect your premium. The best way to get an accurate rate is to compare quotes from multiple insurers based on your specific property and coverage needs.
Yes, standard homeowners policies cover tornado damage to your dwelling, other structures, and personal property. Given Clark County's tornado history—including an EF3 in 2007 and severe storms in 2024—make sure your dwelling coverage is high enough to fully rebuild at current construction costs. Choose replacement cost coverage rather than actual cash value to avoid depreciation deductions after a claim.
Common discounts include bundling home and auto insurance (15-25% off), installing security or fire alarm systems, having a newer roof or impact-resistant materials, maintaining a claims-free history, and being a non-smoker. Some insurers also offer discounts for retirees or members of certain professional organizations. Always ask your insurer about available discounts—they can reduce your premium by hundreds of dollars annually.
Insurers in Indiana use credit-based insurance scores to predict the likelihood of filing claims. Studies show a correlation between credit management and claims frequency. In Indiana, excellent credit can mean paying around $1,280 annually while poor credit can push premiums above $5,161 for the same coverage. Improving your credit score by paying bills on time and reducing debt can directly lower your insurance costs.
Filing even one claim can increase your premium by an average of $499 in Indiana, bringing typical costs from around $3,136 to $3,635 annually. Insurers view claims history as an indicator of future risk. For minor damages that cost slightly more than your deductible, consider paying out of pocket to avoid premium increases. Save your insurance for major losses like tornado damage or significant theft that you couldn't afford to cover yourself.
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