Insurance for West Lafayette Residents, Students and Businesses

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Insurance for Purdue Students, Renters and West Lafayette Homeowners

West Lafayette is home to Purdue students, faculty, young professionals, families and long-time homeowners, and each needs different coverage. As a local independent agency, we shop several insurance companies for you and explain your options in plain language.

Purdue students and parents

Students bringing a car to campus need to make sure it is properly insured, whether they stay on a parent’s auto policy or need a policy of their own. We will help you decide which makes sense and look for discounts such as good-student pricing.

A parent’s homeowners policy may cover some of a student’s belongings while they are away at school, but limits and rules vary by company, especially for off-campus apartments. Review it with us before move-in. A renters policy is inexpensive and also adds personal liability protection.

See our Purdue student insurance guide for a move-in checklist, discounts and answers to common questions.

Renters and landlords

Your landlord’s insurance covers the building, not your belongings or your liability. Renters insurance protects your things and covers you if someone is hurt in your apartment. If you own rental property near campus, landlord insurance protects the building and can include loss of rental income.

Learn more about renters insurance and landlord insurance.

West Lafayette homeowners and drivers

We help West Lafayette homeowners set the right replacement cost for their home, bundle home and auto coverage, add an umbrella policy for extra liability protection, and protect their families with life insurance.

Local businesses

From shops and restaurants near campus to contractors and professional offices, we write business insurance including general liability, commercial property, business auto and workers’ compensation.

Call 765-474-2300 or request a quote. We also serve all of Tippecanoe County and Zionsville.

Car Insurance in West Lafayette

Whether you commute across the Wabash every day, park in a campus garage or only drive on game days, we compare car insurance in West Lafayette with several companies, including Erie, Progressive, Nationwide, GEICO, AAA and National General. Students can often stay on a parent’s policy with the car garaged at school, and good-student, away-at-school, multi-car and bundling discounts can lower the cost. Faculty, staff and families moving to West Lafayette can usually get a quote in a single phone call.

Home, condo and renters insurance near Purdue

West Lafayette has everything from older homes near campus and in New Chauncey and Hills and Dales to newer homes and townhomes toward the Discovery Park District and Klondike. We help homeowners choose the right homeowners insurance, insure townhomes and units with condo insurance, and protect students and apartment renters with affordable renters insurance.

Insurance for West Lafayette landlords and businesses

Renting a house or apartment to Purdue students, or renting your home out on game weekends? A standard homeowners policy may not cover it, so see our landlord insurance page. We also insure West Lafayette businesses, from shops and restaurants on State Street and around the Levee to startups and professional offices near the research park, with general liability, business owners policies, commercial auto and workers’ comp.

What to have ready for a quote

• Driver’s license information for everyone in your household who drives
• The year, make and model of each vehicle, or the VIN
• Your current insurance declarations page, so we can match or improve your coverage
• For a home: the address, year built, square footage and any updates to the roof, plumbing, electrical or heating
• For renters: the address and a rough idea of what your belongings are worth

Have questions first? Call or text 765-474-2300.

Life and Medicare

Life insurance and Medicare supplements in West Lafayette

Lafayette Insurance helps West Lafayette families protect their income with life insurance, including term, whole and universal life, and helps retirees compare Medicare Supplement (Medigap) plans from multiple companies at no cost to them.

Life insurance for West Lafayette families

Whether you work at Purdue and want more than your group coverage, are buying your first home, or own a business and want to protect a partner, we compare policies and help you choose the right amount of coverage.

Medicare Supplement plans in West Lafayette

Turning 65 or retiring? We explain how Medigap plans fill the gaps in Original Medicare, compare rates from several companies and help you enroll during your Medigap open enrollment period, when companies cannot turn you down for health reasons.

Our office is at 3111 Builder Dr., Suite 6, in Lafayette, a short drive from campus. Most West Lafayette clients handle everything by phone, text or email, and you are always welcome to stop by Monday through Thursday from 9 to 5 and Friday from 9 to 4. See all of the Tippecanoe County communities we serve.

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We’ve got answers

West Lafayette insurance FAQs

Do you have an office in West Lafayette?

Our office is at 3111 Builder Dr., Suite 6, in Lafayette, a short drive from campus. Most West Lafayette clients work with us by phone, text or email, and you’re always welcome to stop by.

Can a Purdue student get their own car insurance policy?

Yes. Some students need their own policy, especially if the car is titled in their name. Others can stay on a parent’s policy. We’ll compare both ways and show you the difference.

Does my parents’ homeowners policy cover my things in a dorm or apartment?

Sometimes, but often with low limits, and it may not apply to an off-campus apartment. A renters policy is usually inexpensive and gives you your own coverage and liability protection.

Does renters insurance cover a stolen laptop or bike?

In most cases, yes. Renters insurance usually covers theft of your belongings, including a laptop taken from a classroom or a bike taken from a rack on campus, after your deductible. Jewelry and some other high-value items have lower theft limits unless you schedule them.

My roommates and I share an apartment. Do we need separate renters policies?

Usually, yes. A renters policy covers the people named on it and their household, so each roommate should have their own policy and control their own coverage and claims.

My lease requires renters insurance. Can you help?

Yes. Many West Lafayette apartment communities require renters insurance with a minimum amount of liability coverage and ask to be listed on the policy. Send us the requirement from your lease and we will set up your policy to match.

I rent my house out on Purdue game weekends. Am I covered?

Maybe not. Many homeowners policies limit or exclude coverage when you rent your home to others, even for a weekend. Tell us how often you rent it and we will help you find the right coverage, which may be an endorsement or a landlord policy.

How do I get a quote?

Call or text 765-474-2300, or use the quote options at the top of this page.