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Protect Your Home with Affordable, Customized Insurance Coverage

Your home isn’t just a building—it’s where memories are made, families grow, and futures are built. That’s why protecting your home with the right insurance coverage is one of the smartest financial decisions you can make. At Paris Insurance Group, we offer affordable, personalized homeowners insurance with expert local advice and great service you can count on.

As a local and independent insurance agency, we don’t work for a single insurance company—we work for you. We shop multiple top-rated insurance companies to compare pricing and coverage options, ensuring you get the best policy for your needs and budget.

What Is Homeowners Insurance?

Homeowners insurance is designed to protect your home, your belongings, and your financial well-being if something goes wrong. It covers everything from fire and weather damage to theft and liability claims. Whether you own a house, condo, or rental property, having a proper policy in place ensures peace of mind.

Common Types of Home Insurance Coverage

• Dwelling Coverage: Protects the structure of your home from damage due to fire, storms, and other covered events.
• Personal Property: Covers your belongings—furniture, electronics, clothing, and more—if they're stolen or damaged.
• Liability Protection: Helps cover legal fees and damages if someone is injured on your property.
• Loss of Use: Pays for temporary living expenses if your home becomes uninhabitable due to a covered event.
• Optional Coverages: Includes high-value item riders (like jewelry or art), water backup, equipment breakdown, identity theft protection, inflation protection, and more.

What Does Home Insurance Cover?

Homeowners insurance covers damage from fire, windstorms, hail, lightning, theft, and vandalism. It also includes liability protection and living expenses if you need to relocate temporarily. Every policy can be customized to meet your specific needs and risks.

What Do You Need to Know About Homeowners Insurance?

Not all home insurance policies are the same. That’s why working with an independent agent matters. We take the time to understand your home, location, and lifestyle so we can build the right policy—whether that includes standard coverage, special riders for valuables, or enhanced protection for storms or water damage.

Types of Homeowners Policies (and Payouts)

We’ll help you understand how your home policy calculates payouts after a covered loss, and find the policy that is right for you. Options include:

• Actual Cash Value (ACV): Covers your home and belongings minus depreciation, due to age and wear and tear when determining the value of your damaged or stolen property. It’s the more affordable option, but may not cover 100%  of rebuilding costs.
• Replacement Cost: Covers the full cost to repair or replace your home and belongings with new items of similar kind and quality, with no depreciation deducted.
• Guaranteed Replacement Cost: Offers the highest level of protection—even if rebuilding exceeds your policy limit.

Did You Know?

1. 1 in 20 insured homes files a claim each year.
2. Flood damage is not covered by standard home insurance—you’ll need separate flood insurance.

Why Choose an Independent Agent?

Paris Insurance Group represents the top-rated insurance companies in Indiana. Because we’re an independent insurance agent we can shop multiple insurance companies, compare pricing and coverage options, and help you find the the best home insurance policy for your needs and budget.

Indiana Home Insurance You Can Count On

At Paris Insurance, we don’t believe in cookie-cutter home policies. We take time to understand your home, your assets, and your risks. Then, we compare quotes from multiple insurance carriers to customize the right policy for you—without the pressure. Located in Westfield, we offer homeowners insurance coverage throughout Central Indiana, including Indianapolis, Carmel, Noblesville, Fishers, Zionsville, Whitestown, and Brownsburg. We're also proud to serve the entire state of Indiana from our Westfield office.

Ready to Protect Your Home? Contact us today for a free quote and let us help you find homeowners insurance that fits your needs.