Personal Insurance in Indiana — Coverage That Fits Your Life

We compare personal insurance options across multiple carriers so you get the right coverage, not just the easiest one to sell.

Your Coverage Should Do More Than Exist

Most people review their personal insurance once a year — right before they renew it. They check the price, assume the coverage is fine, and move on. The problem is that life doesn't stay the same. A home renovation, a new vehicle, a teenage driver, a boat in the driveway — any of these can leave a gap between what your home, auto, or specialty policy covers and what you actually need.



As an independent insurance agency in Northwest Indiana, we look at your full personal coverage picture before we make a recommendation. That means reviewing what you have across every policy, identifying what's missing, and comparing options across multiple carriers to find what fits — not just what's available from a single company.

We've been doing this for the people of Jasper County, Lake County, and the surrounding region since 1953. Five-time Best Insurance Agency in Jasper County. Same family. Same values. Different carriers every time we find a better fit.

Three people walk along a tree-lined path in an autumn park with golden leaves.

Personal Coverage We Offer

Outlined house icon with a person in front, suggesting a home or user profile

Homeowners Insurance

Your home is likely your largest asset. We compare homeowners policies across carriers to make sure your dwelling, contents, and liability coverage actually reflect what it would cost to rebuild — not what the market valued your home at years ago.

Car under an umbrella, suggesting protected parking or covered car insurance icon

Auto Insurance

From minimum state requirements to full coverage with gap protection, we help Indiana drivers find auto policies that balance real protection with manageable premiums — across multiple carriers, not just one.

Black line drawing of a scooter with a shield emblem on the rider's back

Motorcycle Insurance

Motorcycle coverage has different requirements and risks than standard auto. We work with carriers that specialize in bike coverage to match your riding season, your storage situation, and your liability needs.

Black line icon of an umbrella shielding a hexagon with an anchor symbol inside

Boat & Watercraft Insurance

Homeowners policies rarely cover a boat adequately. We place watercraft coverage that protects the vessel, the motor, the trailer, and your on-water liability through carriers with dedicated marine lines.

Black outline of a small passenger van icon with windows and wheels

RV Insurance

An RV sits somewhere between a vehicle and a home — and standard auto or homeowners coverage usually doesn't account for that. We find policies built specifically for recreational vehicles, whether you're a seasonal camper or a full-time traveler.

Black umbrella icon with a J-shaped handle

Umbrella Insurance

When your auto or homeowners liability limits aren't enough, an umbrella policy picks up where they leave off. It's one of the most cost-effective ways to add a meaningful layer of protection — and one of the most commonly overlooked.

Two professionals reviewing a tablet in a bright office hallway

Why an Independent Agent Finds Better Personal Coverage

A captive agent can only offer what their one company sells. If that company's homeowners product doesn't fit your property, or their auto rates aren't competitive for your driving history, you don't have options — you just have what they offer.


At Ci Insurance, we hold contracts with multiple carriers across personal lines. That means we can compare coverage and price for your specific situation and recommend what actually fits. We do the shopping. You make the decision.


The difference also matters after the sale. When you have a claim, we advocate for a fair outcome on your behalf — not on the carrier's behalf. We work for you.


  • Multiple carriers compared at every renewal, not just at signup
  • Coverage recommendations based on your actual needs and assets
  • Claims advocacy from an agent who knows your policy and your situation
  • One local agency managing all your personal lines — home, auto, motorcycle, boat, RV, umbrella

What Indiana Residents Ask Us About Personal Coverage

  • What personal insurance do I need in Indiana?

    At minimum, Indiana law requires auto liability coverage for drivers. Beyond that, the right personal insurance depends on what you own and what you stand to lose. Most homeowners need a homeowners policy, adequate auto coverage, and should consider an umbrella policy for additional liability protection. If you own a motorcycle, boat, or RV, those typically require separate coverage. An independent agent can review your full situation and identify gaps you may not know you have.

  • How does an independent insurance agent help me find better personal coverage?

    An independent agent works with multiple carriers rather than a single company. That means they can compare coverage options and pricing across the market for your specific situation — not just sell you what one carrier offers. At Ci Insurance, we review your existing policies, identify gaps or overlaps, and present options from multiple carriers before making a recommendation.

  • Can I bundle home and auto with an independent insurance agency in Indiana?

    Yes. Many carriers offer multi-policy discounts for bundling home and auto, and as an independent agency we can compare bundled rates across multiple carriers to find the best combination of coverage and price. Bundling through a single carrier isn't always the right answer — we'll show you the options and let you decide.

  • Does Ci Insurance serve clients outside of Rensselaer?

    Yes. We serve clients across Jasper County — including Rensselaer, DeMotte, Wheatfield, Remington, Brook, and Roselawn — as well as Lake County, including the Lowell area. We are licensed in Indiana, Illinois, and Michigan.