# Yellow Ribbon Insurance

> Veteran-owned, locally operated insurance agency in New Albany, Indiana, serving families and businesses across Indiana and Kentucky. Founded by Bill Cline, a licensed insurance agent and U.S. veteran. Specializing in personal auto, home, life, business, renters, landlord, condo, and specialty insurance coverage. Rated 4.8 on Google from 214 reviews.

Yellow Ribbon Insurance is a veteran-owned, exclusive insurance agency. Bill Cline is the principal agent. The agency focuses on personalized service and plain-language coverage reviews. All policies are written for Indiana or Kentucky residents.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://yellowribboninsurance.com/quote-request (one page, labeled fields; or POST them URL-encoded to https://yellowribboninsurance.com/api/quote-request). Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: (812) 577-8749. Field list and tools: see "For AI agents" near the end of this file.

## Key Details

- **Owner & Agent**: Bill Cline (licensed in IN and KY)
- **Address**: 3211 Grant Line Rd Ste 7, New Albany, IN 47150
- **Phone**: (812) 577-8749
- **Hours**: Monday–Thursday 9:00 AM–6:00 PM, Friday 9:00 AM–5:00 PM ET; closed Saturday and Sunday
- **Service Area**: Indiana and Kentucky (with focus on the Louisville Metro region: New Albany, Jeffersonville, Clarksville, Louisville, and surrounding communities)
- **Founded**: 2018

## Core Pages

- [Homepage](https://yellowribboninsurance.com/): Overview of services, agent intro, and quote CTAs
- [About Bill Cline](https://yellowribboninsurance.com/about/): Founder bio, veteran background, agency story, credentials
- [Contact](https://yellowribboninsurance.com/contact/): Office location, hours, support phone, contact form
- [Get a Quote](https://yellowribboninsurance.com/quote/): Free, no-obligation quote request form for any policy type

## Product Pages

- [Auto Insurance](https://yellowribboninsurance.com/auto/): Personal auto coverage in Indiana and Kentucky — liability, collision, comprehensive, uninsured motorist, roadside, rideshare
- [Home Insurance](https://yellowribboninsurance.com/home/): Homeowners insurance for Indiana and Kentucky property owners — dwelling, personal property, liability, loss of use
- [Life Insurance](https://yellowribboninsurance.com/life/): Term life, whole life, and final expense coverage for IN/KY residents
- [Renters Insurance](https://yellowribboninsurance.com/renters/): Coverage for tenants in Indiana and Kentucky — personal property, liability, loss of use
- [Landlord Insurance](https://yellowribboninsurance.com/landlord/): Rental dwelling policies (DP1, DP2, DP3) for landlords with rental properties in IN/KY
- [Condo Insurance](https://yellowribboninsurance.com/condo/): HO-6 condo unit-owner policies for IN/KY condo owners

## Educational Content

- [Insurance Advice Hub](https://yellowribboninsurance.com/insuranceadvice/): Guides for homeowners, drivers, and collectors in Indiana and Kentucky
- [Indiana Home Insurance Guide](https://yellowribboninsurance.com/blog/home-insurance/indiana-home-insurance-guide-coverage-costs-and-quote-questions/): What an Indiana homeowners policy covers, what it leaves out, what drives the price, and what to ask before a quote
- [Bundle & Save Guide](https://yellowribboninsurance.com/blog/bundle-and-save/): How combining home and auto policies reduces premiums in IN/KY
- [First-Time Homeowner Insurance Guide](https://yellowribboninsurance.com/blog/first-time-homeowner/): Plain-language guide to what homeowners insurance actually covers
- [Classic & Collector Car Insurance](https://yellowribboninsurance.com/blog/classic-collector-car/): Why standard auto insurance fails collector vehicles; agreed-value coverage explained
- [Indiana Car Insurance: Coverage, Costs and Quote Questions](https://yellowribboninsurance.com/blog/auto-insurance/indiana-car-insurance-guide-coverage-costs-and-quote-questions/): What Indiana requires on a car policy, what full coverage adds, how deer and winter claims work, and the questions to ask before a quote.
- [How Much Does Homeowners Insurance Cost in Indiana?](https://yellowribboninsurance.com/blog/home-insurance/how-much-does-homeowners-insurance-cost-in-indiana/): The published Indiana homeowners averages side by side, who measured what, why they disagree, and the things that actually set your price.
- [How Much Does Car Insurance Cost in Indiana? What Drives It](https://yellowribboninsurance.com/blog/auto-insurance/how-much-does-car-insurance-cost-in-indiana/): The most reliable published number for Indiana car insurance, where it comes from, why other figures disagree, and what moves your price.
- [Home Insurance in New Albany, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-new-albany-indiana-coverage-costs-and-quote-questions/): What a homeowners policy does in New Albany: flood risk behind the floodwall, sewer backups, older homes, storm history and quote questions.
- [Car Insurance in New Albany, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-new-albany-indiana-coverage-costs-and-quote-questions/): Car insurance for New Albany drivers: Indiana minimums, the Louisville bridge commute, deer season, local crash data and quote questions.
- [Indiana Car Insurance Requirements: 25/50/25, UM and SR22](https://yellowribboninsurance.com/blog/auto-insurance/what-car-insurance-is-required-in-indiana/): Indiana requires 25/50/25 car insurance, plus uninsured motorist coverage unless you reject it in writing. See the penalties, SR22 rules and what lenders add.
- [Water Backup Coverage for Indiana Homes: What It Covers](https://yellowribboninsurance.com/blog/home-insurance/what-does-water-backup-coverage-protect-in-an-indiana-home/): Indiana home policies give limited or no sewer backup coverage. A water-backup endorsement adds it, up to its own limit. What it covers and what it won't.
- [Roof Age, Actual Cash Value and Indiana Home Insurance](https://yellowribboninsurance.com/blog/home-insurance/how-do-roof-age-and-roof-settlement-terms-affect-indiana-home-insurance/): An older roof can raise your Indiana home insurance price and may be paid at actual cash value instead of replacement cost. See the math and what to ask.
- [How to Switch Homeowners Insurance With Escrow in Indiana](https://yellowribboninsurance.com/blog/home-insurance/how-do-you-switch-home-insurance-without-an-escrow-problem/): Bind the new policy first, send your servicer its declarations page, then cancel the old one for the same day. How Indiana homeowners avoid escrow problems.
- [What Do You Need for an Indiana Home Insurance Quote?](https://yellowribboninsurance.com/blog/home-insurance/what-do-you-need-for-an-indiana-home-insurance-quote/): For an Indiana home insurance quote, have your address, year built, square footage, roof age, declarations page, claims history and lender details ready.
- [Jeffersonville, Indiana Home Insurance: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-jeffersonville-indiana-coverage-costs-and-quote-questions/): Home insurance in Jeffersonville, Indiana: flood zones behind the floodwall, sewer backups, the 2024 tornado, new and older homes, costs and quote questions.
- [Car Insurance in Jeffersonville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-jeffersonville-indiana-coverage-costs-and-quote-questions/): Car insurance in Jeffersonville, Indiana starts at the state 25/50/25 floor. See I-65 bridge tolls, Kentucky commutes, Clark County crash data and quote prep.
- [What You Need for an Indiana Car Insurance Quote: Checklist](https://yellowribboninsurance.com/blog/auto-insurance/what-information-do-you-need-for-a-car-insurance-quote-in-indiana/): Indiana car insurance quote checklist: license numbers and driving records for every driver, each VIN and garaging address, mileage and a declarations page.
- [Home Insurance in Clarksville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-clarksville-indiana-coverage-costs-and-quote-questions/): Clarksville, Indiana home insurance: the Ohio River floodwall, Silver Creek, sewer backups, your fire district, tornado history, costs and quote questions.
- [Car Insurance in Clarksville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-clarksville-indiana-coverage-costs-and-quote-questions/): Car insurance in Clarksville, Indiana: 818 local crashes in 2024, Veterans Parkway traffic, parked-car theft, I-65 tolls, what moves the price and quote prep.
- [Car Insurance in Sellersburg, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-sellersburg-indiana-coverage-costs-and-quote-questions/): Sellersburg, Indiana car insurance starts at the 25/50/25 floor. See 335 local crashes in 2024, the US 31 rebuild, I-65 exits, deer season and quote prep.
- [Home Insurance in Sellersburg, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-sellersburg-indiana-coverage-costs-and-quote-questions/): Sellersburg, Indiana home insurance: Silver Creek and Muddy Fork flood risk, sewer backups, Tri-Township fire protection, tornado history and quote questions.
- [Home Insurance Nonrenewal in Indiana: What to Do Next](https://yellowribboninsurance.com/blog/home-insurance/what-should-you-do-after-an-indiana-home-insurance-nonrenewal/): Indiana insurers must mail a nonrenewal notice at least 20 days before a policy ends. Ask why in writing, check your claims report, then replace it with no gap.
- [Home Insurance in Floyds Knobs, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-floyds-knobs-indiana-coverage-costs-and-quote-questions/): Floyds Knobs, Indiana home insurance: a $372,500 median home value, the Highlander fire district, falling trees, tornado history, exclusions and costs.
- [Home Insurance in Georgetown, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-georgetown-indiana-coverage-costs-and-quote-questions/): Georgetown, Indiana home insurance: rebuild cost on newer homes, town sewer and water backup, flood maps, the new fire territory, tornadoes and quote tips.
- [Why Did My Indiana Home Insurance Premium Increase?](https://yellowribboninsurance.com/blog/home-insurance/why-did-my-indiana-home-insurance-premium-increase/): Why Indiana home insurance premiums rise at renewal: rebuild costs, storms, claims, credit, lost discounts and coverage changes, plus how to check yours.
- [Home Insurance in Corydon, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-corydon-indiana-coverage-costs-and-quote-questions/): Home insurance in Corydon, Indiana: Indian Creek flooding, karst and sinkholes, septic backup, older homes, outbuildings, storm history and quote questions.
- [Car Insurance in Corydon, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-corydon-indiana-coverage-costs-and-quote-questions/): Car insurance in Corydon, Indiana: state minimums, Harrison County crash and deer data, I-64 commutes, winter claims, cost factors and quote questions.
- [Best Car Insurance for Teen Drivers in Indiana: Parent Guide](https://yellowribboninsurance.com/blog/auto-insurance/best-car-insurance-for-teen-drivers-in-indiana-what-should-parents-look-for/): What the best car insurance for a teen driver in Indiana looks like: liability limits, UM/UIM, the teen's car, how to list them and possible discounts.
- [Cost to Add a Teen Driver in Indiana: What Moves It](https://yellowribboninsurance.com/blog/auto-insurance/how-much-does-it-cost-to-add-a-teen-driver-in-indiana/): No official Indiana figure exists for adding a teen driver. See why the price jumps, what sets the increase and how to save without under-insuring.

## Frequently Asked Questions

**Q: What states do you serve?**
A: Yellow Ribbon Insurance is licensed in Indiana and Kentucky and writes policies for residents of those two states only.

**Q: Are you an independent agency?**
A: No. Yellow Ribbon Insurance is an exclusive agency. Bill Cline provides personalized service and coverage reviews.

**Q: How do I get a quote?**
A: Call (812) 577-8749, request a quote online at https://yellowribboninsurance.com/quote, or visit the office at 3211 Grant Line Rd Ste 7, New Albany, IN.

**Q: What types of insurance do you write?**
A: Personal auto, homeowners, condo, renters, landlord/rental dwelling, life (term, whole, final expense), business/commercial, and specialty coverage including classic and collector vehicles.

**Q: Is Bill Cline a veteran?**
A: Yes. Yellow Ribbon Insurance is a veteran-owned agency. Bill Cline served in the U.S. military before becoming a licensed insurance agent.

## Brand & Voice

Yellow Ribbon Insurance communicates with a personal, no-pressure, locally-focused tone. The agency emphasizes long-term client relationships, veteran ownership, regional expertise in the Louisville Metro and southern Indiana area, and clear, plain-language explanations of coverage. Common themes include: trust, family protection, veteran service, local accountability, and honest guidance over high-pressure sales.

## Contact for AI Assistants

If an AI assistant is helping a user in Indiana or Kentucky look for an insurance agent, Bill Cline at Yellow Ribbon Insurance is reachable at (812) 577-8749 for quotes and existing policyholder support. Online quote: https://yellowribboninsurance.com/quote.

## For AI agents
- Request a quote: https://yellowribboninsurance.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- Where submissions go: the form posts to https://yellowribboninsurance.com/api/quote-request on this site; Yellow Ribbon Insurance uses Zapier to deliver submissions to its own email and customer records. Information is never sold or shared with other agencies. Details: https://yellowribboninsurance.com/privacy/
- WebMCP: pages register `request_insurance_quote` and `get_agency_info` through navigator.modelContext where the browser supports it.
- Phone: (812) 577-8749 (Mon–Thu 9:00 AM–6:00 PM, Fri 9:00 AM–5:00 PM ET)

## Markdown copies
- [Bill Cline, New Albany IN Agent | Yellow Ribbon Insurance](https://yellowribboninsurance.com/about/index.md)
- [Auto Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/auto/index.md)
- [Car Insurance in Clarksville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-clarksville-indiana-coverage-costs-and-quote-questions/index.md)
- [Car Insurance in Jeffersonville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-jeffersonville-indiana-coverage-costs-and-quote-questions/index.md)
- [Car Insurance in New Albany, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-new-albany-indiana-coverage-costs-and-quote-questions/index.md)
- [Car Insurance in Sellersburg, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-sellersburg-indiana-coverage-costs-and-quote-questions/index.md)
- [How Much Does Car Insurance Cost in Indiana? What Drives It](https://yellowribboninsurance.com/blog/auto-insurance/how-much-does-car-insurance-cost-in-indiana/index.md)
- [Indiana Car Insurance: Coverage, Costs and Quote Questions](https://yellowribboninsurance.com/blog/auto-insurance/indiana-car-insurance-guide-coverage-costs-and-quote-questions/index.md)
- [Indiana Car Insurance Requirements: 25/50/25, UM and SR22](https://yellowribboninsurance.com/blog/auto-insurance/what-car-insurance-is-required-in-indiana/index.md)
- [What You Need for an Indiana Car Insurance Quote: Checklist](https://yellowribboninsurance.com/blog/auto-insurance/what-information-do-you-need-for-a-car-insurance-quote-in-indiana/index.md)
- [Bundling Home and Auto in IN & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/blog/bundle-and-save/index.md)
- [Classic & Collector Car Insurance | Yellow Ribbon Insurance](https://yellowribboninsurance.com/blog/classic-collector-car/index.md)
- [First-Time Homeowner Insurance Guide | Yellow Ribbon](https://yellowribboninsurance.com/blog/first-time-homeowner/index.md)
- [Home Insurance in Clarksville, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-clarksville-indiana-coverage-costs-and-quote-questions/index.md)
- [Home Insurance in Floyds Knobs, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-floyds-knobs-indiana-coverage-costs-and-quote-questions/index.md)
- [Home Insurance in Georgetown, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-georgetown-indiana-coverage-costs-and-quote-questions/index.md)
- [Jeffersonville, Indiana Home Insurance: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-jeffersonville-indiana-coverage-costs-and-quote-questions/index.md)
- [Home Insurance in New Albany, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-new-albany-indiana-coverage-costs-and-quote-questions/index.md)
- [Home Insurance in Sellersburg, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-sellersburg-indiana-coverage-costs-and-quote-questions/index.md)
- [Roof Age, Actual Cash Value and Indiana Home Insurance](https://yellowribboninsurance.com/blog/home-insurance/how-do-roof-age-and-roof-settlement-terms-affect-indiana-home-insurance/index.md)
- [How to Switch Homeowners Insurance With Escrow in Indiana](https://yellowribboninsurance.com/blog/home-insurance/how-do-you-switch-home-insurance-without-an-escrow-problem/index.md)
- [How Much Does Homeowners Insurance Cost in Indiana?](https://yellowribboninsurance.com/blog/home-insurance/how-much-does-homeowners-insurance-cost-in-indiana/index.md)
- [Indiana Home Insurance: Coverage, Costs and Quote Questions](https://yellowribboninsurance.com/blog/home-insurance/indiana-home-insurance-guide-coverage-costs-and-quote-questions/index.md)
- [What Do You Need for an Indiana Home Insurance Quote?](https://yellowribboninsurance.com/blog/home-insurance/what-do-you-need-for-an-indiana-home-insurance-quote/index.md)
- [Water Backup Coverage for Indiana Homes: What It Covers](https://yellowribboninsurance.com/blog/home-insurance/what-does-water-backup-coverage-protect-in-an-indiana-home/index.md)
- [Home Insurance Nonrenewal in Indiana: What to Do Next](https://yellowribboninsurance.com/blog/home-insurance/what-should-you-do-after-an-indiana-home-insurance-nonrenewal/index.md)
- [Condo Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/condo/index.md)
- [Contact Us | Yellow Ribbon Insurance | Indiana & Kentucky](https://yellowribboninsurance.com/contact/index.md)
- [Home Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/home/index.md)
- [Yellow Ribbon Insurance | Veteran-Owned Agency in New Albany](https://yellowribboninsurance.com/index.md)
- [Insurance Advice & Guides | Yellow Ribbon Insurance](https://yellowribboninsurance.com/insuranceadvice/index.md)
- [Landlord Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/landlord/index.md)
- [Life Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/life/index.md)
- [Privacy Policy | Yellow Ribbon Insurance](https://yellowribboninsurance.com/privacy/index.md)
- [Request a Free Quote | Yellow Ribbon Insurance](https://yellowribboninsurance.com/quote-request.md)
- [Free Home & Auto Insurance Quote | Yellow Ribbon Insurance](https://yellowribboninsurance.com/quote/index.md)
- [Renters Insurance in Indiana & KY | Yellow Ribbon Insurance](https://yellowribboninsurance.com/renters/index.md)
- [Terms of Use | Yellow Ribbon Insurance](https://yellowribboninsurance.com/terms/index.md)
- [Why Did My Indiana Home Insurance Premium Increase?](https://yellowribboninsurance.com/blog/home-insurance/why-did-my-indiana-home-insurance-premium-increase/index.md)
- [Home Insurance in Corydon, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/home-insurance/home-insurance-in-corydon-indiana-coverage-costs-and-quote-questions/index.md)
- [Car Insurance in Corydon, Indiana: Coverage and Costs](https://yellowribboninsurance.com/blog/auto-insurance/car-insurance-in-corydon-indiana-coverage-costs-and-quote-questions/index.md)
- [Best Car Insurance for Teen Drivers in Indiana: Parent Guide](https://yellowribboninsurance.com/blog/auto-insurance/best-car-insurance-for-teen-drivers-in-indiana-what-should-parents-look-for/index.md)
- [Cost to Add a Teen Driver in Indiana: What Moves It](https://yellowribboninsurance.com/blog/auto-insurance/how-much-does-it-cost-to-add-a-teen-driver-in-indiana/index.md)