Home Insurance in New Albany, Indiana
Applegate Pulliam Insurance Group writes home insurance in New Albany, Indiana, and we read the coverages a cheap policy leaves off before we quote it.
Check one thing first: if your car carries $25,000 of liability, the state minimum in Indiana and Kentucky, your home could be on the hook after one bad wreck. Home is where we add the most value, and we set your car insurance limits to match what the home is worth.
Home insurance, at a glance
- Licensed in
- Indiana and Kentucky
- Companies we quote
- 36
- Quote back
- Usually within 24 hours
- Comes with
- An audit of what you have now
What we check on every home insurance quote
- Dwelling and replacement cost: would the limit actually rebuild the house at today's prices?
- Water backup: a sewer or drain backup is often excluded unless you add an endorsement.
- Personal liability: your home policy covers you if someone gets hurt on your property. We check the limit.
- Jewelry and valuables: an engagement ring usually needs to be scheduled on the policy.
- Umbrella: if your home is worth more than your liability limits, an umbrella policy covers the gap.
A real one: we rebuilt a client's policy and added a water backup endorsement. When the claim came, she texted us that her old policy would not have covered it. Her old policy was cheap, and it was built wrong.
Home and car together
Most of our clients carry home and car insurance with us. Writing them together usually saves money, and it lets us set your car liability limits to match what the home is worth. Own a rental too? That's a landlord policy, not a homeowners policy.
Home insurance across Southern Indiana and Louisville
We write homes in New Albany, Floyds Knobs, Georgetown, Jeffersonville and Clarksville, and across the river in Louisville, where we also write car insurance. Floyds Knobs homeowners: if you've only ever been quoted by one company, we'd like to show you what else is out there.
Home insurance questions from New Albany homeowners
- What does a home insurance audit look at?
- Your dwelling limit against what it would cost to rebuild, your deductible, liability, water backup, scheduled valuables and anything excluded. We tell you what's missing and what it costs to fix.
- Does homeowners insurance cover water backup?
- Often not unless you add a water backup endorsement. It's one of the most common gaps we find.
- How fast can I get a home insurance quote?
- Usually within 24 hours. We've quoted homes in 15 minutes when the details were handy.
- Do you write homes outside New Albany?
- Yes. We're licensed in Indiana and Kentucky and write homes across Southern Indiana and Louisville.
Find out what your home policy leaves out
Send us your declarations page. We'll read it, quote it, and show you the gaps, usually within 24 hours.