Community Insurance Group
1010 E Markland Ave, Kokomo, IN 46901
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Kokomo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1010 E Markland Ave, Kokomo, IN 46901
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115 S Dixon Rd, Kokomo, IN 46901
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4073 South Webster Street, Kokomo, IN 46902
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3904 Southland Ave, Kokomo, IN 46902
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1604 E. Hoffer St, Kokomo, IN 46902
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Kokomo, IN, Kokomo, IN 46902
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1954 W Boulevard, Kokomo, IN 46902
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1542 S Dixon Rd, Suite E, Kokomo, IN 46902
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Learn about insurance coverage options specific to Kokomo residents.
Kokomo home insurance costs $2,100-$3,100/year. Learn about tornado coverage, flood insurance needs, and how to protect your home in Howard County.
Car InsuranceKokomo drivers pay $131/month average. Learn Indiana's 25/50/25 requirements, at-fault rules, US-31 risks, and how to save on auto insurance.
General Insurance EducationComplete insurance guide for Kokomo, IN residents. Compare auto rates from $20/mo, understand flood risks, and protect your family. Expert tips for Howard County.
Home insurance isn't legally required by the state of Indiana, but if you have a mortgage, your lender will require you to maintain coverage. Even if you own your home outright, insurance is essential given Kokomo's tornado risks and severe weather patterns. Going without coverage leaves you financially exposed to potentially catastrophic losses.
Yes, standard home insurance policies in Indiana cover tornado damage, including wind damage, hail, and debris impact. However, flood damage caused by heavy rains during tornado events requires separate flood insurance. Make sure you understand your wind deductible, as some insurers use percentage-based deductibles for windstorm damage that can be higher than your standard deductible.
Home insurance in Kokomo typically costs between $2,100 and $3,100 annually, slightly above Indiana's state average due to the area's tornado history. Your actual cost depends on your home's value, age, construction type, coverage limits, deductible, credit score, and claims history. Rates have increased 12-13% annually in recent years due to increased severe weather frequency across Indiana.
Market value is what a buyer would pay for your home, while replacement cost is what it would cost to rebuild it from scratch. In Kokomo, median home prices run $142,000-$195,000, but construction costs are $130-$170 per square foot. This means a home worth $150,000 on the market might cost $225,000 or more to rebuild, and your insurance coverage should reflect replacement cost, not market value.
Whether you need flood insurance depends on your property's location. Standard home insurance doesn't cover flood damage, which can occur during severe thunderstorms and tornado events even outside designated flood zones. If you're near Wildcat Creek or in areas with drainage issues, flood insurance is critical. Even if you're not in a high-risk zone, consider the coverage given Indiana's increasing heavy rainfall events.
You can reduce premiums by bundling home and auto insurance, increasing your deductible, installing security or monitoring systems, upgrading your roof or major systems, maintaining a claims-free history, and improving your credit score. Ask your agent about all available discounts. Also compare quotes from multiple insurers annually, as rates vary significantly between companies in the Kokomo market.
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