Your home is your biggest investment. Get comprehensive homeowners coverage with personal service from a local veteran agent — and claims forgiveness options that protect your rates.
Your home is almost certainly your single largest financial asset — and protecting it starts with the right homeowners insurance policy. Whether you own a craftsman bungalow in Bloomington, a newer build in Carmel, or a farmhouse in southern Kentucky, Yellow Ribbon Insurance builds a policy that genuinely fits your home, your risks, and your budget.
Bill Cline takes the time to understand your property and your needs before recommending coverage. That means looking at your home's actual rebuild cost (not just its market value), evaluating local risks like storm exposure and flood proximity, and finding the policy features that matter most to you — not just the cheapest premium.
The HO-3 is the most common homeowners policy in Indiana and Kentucky. It covers your dwelling (the structure of your home), other structures (fences, sheds, detached garages), personal property (furniture, electronics, clothing), personal liability (legal protection if someone is injured on your property), and additional living expenses if you're displaced by a covered loss.
One of the most valuable options Bill Cline can offer is access to policies with claims forgiveness. This feature means your first claim doesn't automatically spike your premium — a significant benefit in Indiana and Kentucky, where hail, wind, and severe storm claims are common. It's a feature many homeowners don't know to ask for until after their first claim. Ask Bill about it upfront.
Additional considerations for Indiana and Kentucky homeowners include flood insurance (never included in standard policies), sump pump and water backup coverage, and ensuring your dwelling coverage reflects current rebuild costs — which have risen sharply since 2020 due to labor and materials inflation.
Get My Free Quote →Bill Cline is a veteran who founded Yellow Ribbon Insurance in 2018 with a mission to serve Indiana and Kentucky families with honesty, integrity, and genuine care.
We're not a call center. We're your neighbor — a local agent who takes the time to understand your situation, your family, and what matters most to you.
With over 47 five-star reviews, our clients consistently praise Bill's responsiveness, expertise, and genuine care for their families and businesses.
We have access to policies with claims forgiveness on qualifying coverage — meaning your first claim won't automatically raise your rates.
Call or text Bill directly. No hold music, no automated menus — just fast, expert answers from someone who genuinely cares about your outcome.
From Bloomington to Louisville, we know the local risks — severe weather, regional driving conditions, flood zones — and build your coverage accordingly.
Rates vary based on your location, history, coverage level, and other factors. The table below gives you a general idea of what Indiana and Kentucky residents typically pay. The best way to know your exact rate is to get a free, no-obligation quote.
| Coverage Level | Typical Monthly Cost (IN/KY) | Notes |
|---|---|---|
| Basic HO-3 (Actual Cash Value) | $80–$120/mo | Meets lender minimums — depreciation applies to claim payouts |
| Standard HO-3 (Replacement Cost) | $100–$160/mo | Most popular — pays full replacement cost without depreciation deduction |
| Extended Replacement Cost | $130–$200/mo | Adds a 25–50% buffer above your coverage limit — ideal if rebuild costs rise |
| Premium + Flood + Umbrella Bundle | $200–$340/mo | Full protection package for high-value homes or flood-prone areas |
Every policy is unique. Call Bill Cline at (812) 359-1767 or request a free quote online — no pressure, no commitment.
Still have questions? We're happy to help.
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