Homeowner Insurance

from Brown Insurance Group

Homeowner Insurance

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your home insurance claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Brown Insurance Group can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of customized homeowner insurance coverage, quality service and fair pricing.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live - a house, apartment, or condo – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

At Brown Insurance Group, we will work with you to ensure that you have the most comprehensive homeowner's coverage you need while providing you with exceptional value and service.  Our goal is to help you make an informed decision when choosing your home insurance policy - not solely to give you the lowest price option to protect your most valuable assets.

We proudly serve the residents of Northwest Indiana including Highland, Munster, Griffith, Schererville, Merrillville, Dyer and Crown Point as well as the Chicagoland area.

Home Insurance Policies

Indiana homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which insurance policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Understanding Homeowner's coverage doesn't have to be difficult.   

In Indiana, a basic Homeowner's Insurance policy will cover the following: 

  • Dwelling - protects you for insured damages to the physical structure of your home and attached structures.
  • Other Structures - provides protection for unattached structures like sheds or fences.
  • Personal Belongings - protects the contents of your home and items belonging to other family members residing with you.
  • Personal Liability Protection — provides protection if you or a family member residing in your household is legally responsible for injuries sustained by someone who visits your home.
  • Additional Living Expenses - If a covered peril, such as a fire, forces you to live elsewhere temporarily, this coverage provides assistance for additional livings costs beyond what you would normally pay, including reasonable hotel costs and additional expenses for meals or laundry.
  • Medical Payments to Others - this coverage provides limited amount for payment of medical bills for others if they are hurt on your property and in some circumstances, sustain injury caused by you away from your home.

Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item's value to determine the current value. Full replacement cost considers the current cost to replace an item.

Protect the things that matter to you

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video - using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home.  Remember to review the inventory every year and update it whenever you acquire new items.  Keep in mind that your homeowner's insurance policy doesn't cover damages caused by poor or deferred maintenance on your part.