Fishers Families: The 5 Insurance Mistakes New Subdivisions Make in the First 5 Years

Fishers, Indiana continues to be one of the fastest-growing cities in the state. New subdivisions, young families, and move-in-ready homes are everywhere — but that rapid growth has created insurance blind spots many homeowners don’t discover until it’s too late.

Here are the five most common insurance mistakes we see Fishers families make — and how to avoid them.

1. Assuming the Builder’s Estimate Is Enough

Builders often provide an insurance estimate during closing, but:

• It may not reflect real rebuild costs

• It often excludes upgraded finishes

• It’s rarely revisited after move-in

Within just a few years, inflation alone can make coverage inadequate.

2. Bundling Without Reviewing Coverage

Bundling home and auto insurance can save money — if done correctly. Unfortunately, many families bundle without checking:

• Liability limits

• Deductibles

• Endorsements

Savings mean nothing if coverage falls short during a claim.

3. Underestimating Liability Exposure

Fishers is full of:

• Playgrounds and neighborhood gatherings

• Teen drivers

• Trampolines, pets, and pools

Standard liability limits may not be enough. An umbrella policy is one of the most affordable ways to protect your family’s financial future.

4. Ignoring Personal Property Limits

Many policies underinsure:

• Jewelry

• Home offices

• Sports equipment

• Electronics

If you haven’t reviewed personal property coverage since moving in, you may be relying on assumptions instead of facts.

5. Never Re-Shopping After Year One

Insurance companies change pricing constantly. Loyalty doesn’t always pay. Reviewing options every 12–24 months can uncover:

• Better coverage

• Lower premiums

• Improved claims experience

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How Trusted Horizon Helps Fishers Families

We specialize in helping growing families:

• Compare multiple carriers

• Identify gaps early

• Adjust coverage as life changes

There’s no obligation — just clarity.

Your home is new. Your insurance should be current.

See If Your Coverage Still Fits