Homeowners Insurance in Zionsville
Home Insurance Tailored to Your Property
Historic village homes, new construction, and high-value properties each deserve coverage that fits them precisely.
Protect the Home You’ve Worked For
Your home policy protects far more than the walls and roof. It covers your belongings, your liability if someone is hurt on your property, and your living expenses if you have to move out during repairs.
We help you set the right replacement cost, explain what is and isn’t covered, and look for every discount you qualify for.
Coverage We Can Help You With
- Dwelling coverage set to true rebuilding cost
- Personal property, including valuables and collections
- Personal liability and medical payments
- Loss of use for temporary living expenses
- Water backup, equipment breakdown, and other endorsements
- Bundling with auto, umbrella, and life
Common Questions
What isn’t covered by a standard home policy?
Flood, earthquake, sewer or drain backup, wear and tear, and gradual deterioration are common exclusions. Several of these can be added with an endorsement or a separate policy.
Why is my coverage different from my purchase price?
Your dwelling coverage is based on what it would cost to rebuild your home at today’s labor and material prices, not on its market value or the land it sits on.
Does my home policy cover a home-based business?
Generally not. Homeowners policies aren’t designed for business activity. Some companies offer a home-business endorsement, or we can quote a separate business policy.
How do I choose a deductible?
Pick an amount you could comfortably pay out of pocket tomorrow. A higher deductible lowers your premium, but only if you are prepared to cover it.
How It Works
Four Simple Steps to the Right Coverage
01
Share the Basics
Tell us what you’d like to protect by phone or a quick online form.
02
Talk It Through
We explain each coverage in plain English so you know exactly what you’re buying.
03
We Do the Shopping
We compare highly rated companies side by side and look for every discount.
04
Choose with Confidence
Pick the policy that fits, and count on us for service, changes, and claims help.
Client Reviews
In Our Clients’ Words
We’re proud of the relationships we’ve built, one family and one business at a time.
★★★★★
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. It’s worth your time to give Couch Insurance a call.
Stacey M.
Visit Us in the Village
Pull Up a Chair. Let’s Talk Coverage.
Our Zionsville office is by appointment, so when you stop in, you have an advisor’s full attention. Prefer to stay home? We’re just as glad to help by phone or email.
75 East Pine Street
Zionsville, Indiana 46077
Monday–Thursday 9–5 · Friday 9–4