Homeowners Insurance

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peace of mind for every home

Homeowners Insurance for Southern Indiana Families

Your home is one of your most valuable assets — and protecting it should be simple. At HBS Insurance, we help homeowners across Jeffersonville, Clarksville, and the Louisville metro area find dependable coverage that fits their property and lifestyle. As an independent agency, we compare multiple carriers to make sure you get quality protection at a fair price, with guidance from a team that truly knows your community.

What We Can Help You With

What’s included in homeowners coverage

Your home deserves coverage that fits the way you live. We’ll help you build a policy that protects the structure of your home, what’s inside it, and the people who live there.

Dwelling coverage

Pays to repair or rebuild your home if it’s damaged by a covered event like a fire, storm, or vandalism.

Personal property coverage

Protects belongings inside your home — furniture, clothing, electronics, and more — if they’re damaged or stolen.

Liability coverage

Covers legal and medical costs if someone is injured on your property or you accidentally cause damage to another person’s property.

Additional living expenses

Pays for temporary housing and extra costs if your home becomes uninhabitable after a covered loss.

Other structures coverage

Covers detached structures like garages, fences, and sheds on your property.

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answers to common home insurance questions

Frequently Asked Questions

  • Is homeowners insurance required?

    If you have a mortgage, your lender will likely require homeowners insurance. Even if it’s not required, it’s strongly recommended to protect your investment.

  • What factors affect my home insurance rate?

    Your premium depends on factors like your home’s location, age, construction type, and coverage limits. We’ll help you compare options to find the best fit.

  • Does homeowners insurance cover floods?

    Standard policies don’t cover flooding, but we can help you add flood insurance if your property is in or near a high-risk area.

  • Can I bundle home and auto coverage?

    Yes. Bundling policies often helps reduce costs and simplifies your insurance management.