Protect your Evansville home with the right coverage at the right price. As a local, independent agency in Evansville, IN, we compare top carriers to customize your protection and find discounts for bundles, protective devices, and claim-free histories—so you get great coverage without overpaying.
We’ve been serving Evansville, IN for over 100 years and would love to connect with you.
Call (812) 424-5503 or fill out the form below to get started.
Storms, water damage, and liability can get expensive fast. You shouldn’t have to decode policy jargon or wonder what’s covered. As a local, independent agency, Torian shops multiple carriers and translates the fine print—so you get the protection you need at a price that makes sense.
Share your address and a few basics details. We’ll do the heavy lifting.
Review side-by-side choices—know exactly what’s covered. Customize a policy that fits your needs.
Relax with coverage that fits—plus annual check-ins, proactive savings, and step-by-step claims support.
Rebuild or repair your home after a covered loss
Garages, sheds, fences
Furniture, electronics, clothing—ask about replacement cost
Lawsuits or injuries you’re responsible for
Extra living expenses if you can’t stay at home
Guest injuries, regardless of fault
Water backup, equipment breakdown, scheduled jewelry/fine art, ordinance or law, roof surfacing choices, extended replacement cost.
Flood & Earthquake are not covered in your standard homeowner's policy. We will be happy to help you find a policy to cover these.
You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.
Indiana’s average homeowners premium was $2,384 /year (2025); your price varies by rebuild cost, roof age/material, loss history, deductible and credit-based insurance score. Local rebuild costs and coverage choices (e.g., water backup, RCV on roof) can move the price up or down—get a quote based on your address and Coverage A.
No—standard homeowners insurance doesn’t cover flood. Flood insurance is a separate NFIP or private policy that can cover your home and contents. (Many lenders require it in high-risk zones; there’s typically a 30-day waiting period.
Not by default. Sewer/sump backup is usually an optional endorsement you can add to a homeowners policy; limits and pricing vary by carrier.
Higher deductibles generally lower your premium, but pick an amount you can afford in an emergency. Some policies also include a separate wind/hail deductible (often a percentage of your dwelling limit) that applies to wind, hail or tornado losses—check your declarations page.
Yes—windstorm and hail are typically covered perils in standard HO-3 policies, subject to your policy terms and deductibles. Some carriers use separate wind/hail deductibles or roof schedules for older roofs; we’ll review your options.
Replacement Cost (RCV) pays to repair/replace without deducting depreciation; Actual Cash Value (ACV) subtracts depreciation, which can reduce payouts—especially for older roofs or items. Many carriers offer RCV on roofs/belongings (sometimes with age limits) or use roof schedules on older roofs—ask us to check your policy.
Both protect the dwelling broadly, but HO-3 typically covers personal property for named perils, while HO-5 often covers personal property on an “open perils” basis and may include RCV on contents—hence it usually costs more. Availability and specifics vary by carrier.
Coverage A should reflect your rebuild cost (materials, labor, square footage)—not the home’s market price or tax assessment. Carriers estimate this with replacement-cost tools; we review it with you and can quote extended replacement cost options.
We've been clients of the Torian Agency for over 30 years. In that time they've grown quite a bit but have always maintained their exemplary level of service to us, not only as policy holders, but as individuals. They're always accessible and there when we need them, as I'm sure they are for everyone. One of the best decisions we ever made.
Like many people, I was hit hard by our recent snow/ice storm and sustained substantial property damage. I had a great experience with both Torian and their affiliate National General Insurance companies. Customer service is everything to me! I was impressed with the high level of service received by both companies and how quickly and efficiently they were able to resolve my issues. Torian even followed up with me to ensure that every need within my claim had been fulfilled. That's like putting the icing on the cake! In other words that's top-notch customer service! I definitely recommend both companies to others.
We can help! Simply complete the form below and one of our experts will get back in touch with you shortly to find exactly what YOU need for YOUR situation.
