Kokomo's Local Insurance Agency — Here Since 2006

We're not a call center. We're your neighbors — working out of our office at 1542 S Dixon Rd, right here in Kokomo, and we've been covering Howard County families and businesses since 2006. When you call us, a real person picks up. When you have a question, you talk to someone who knows this community, understands central Indiana weather, and has seen firsthand what it means to be underinsured when something goes wrong.

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Many of the people we help come from Hanover, York, and Gettysburg, where changing life circumstances often create new insurance questions and coverage needs.

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Big-Carrier Options Without the Big-Company Runaround

As an independent agency, we work with approximately 40 insurance carriers — including the same companies the national brands advertise, plus many they don't. That means we can shop your coverage across a wide field and bring you the most competitive rate available for your specific situation. You get the buying power of a large brokerage with someone local handling the details.

 

  • Home, auto, life, and bundled personal lines packages
  • Specialty coverage for motorcycles, collector cars, boats, RVs, and golf carts
  • Commercial property and general liability for Kokomo-area small businesses
  • Side-by-side carrier comparisons so you understand exactly what you're buying

We Know What Howard County Homeowners Are Up Against

Central Indiana sits squarely in tornado alley, and Howard County homeowners know that spring storms are not a hypothetical. Kokomo's older housing stock adds another layer of consideration — aging roofs, outdated electrical systems, and updated replacement costs that many off-the-shelf policies don't account for. We build coverage recommendations around what actually happens here, not generic national averages.

 

Beyond weather, Kokomo's industrial and automotive heritage means many residents have specialized property needs — collector vehicles, workshop equipment, small commercial operations running alongside personal coverage. We know how to structure policies that account for all of it.

Every Coverage Type Available Right Here in Kokomo

Whether you're a first-time homeowner near US-31, a longtime Kokomo resident reviewing your auto coverage, or a local business owner looking for commercial property protection, we handle it all from one office and one team that knows your name.

 

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A Simple Way to Find the Right Coverage

Personal insurance doesn't have to feel overwhelming. With a clear process and multiple carrier options available, you'll have a better understanding of your choices before making a decision.

Step 1:

Tell Us What You're Looking For

Share the type of property, vehicle, or personal coverage you're interested in protecting.

Step 2:

Review Available Options

We compare insurance solutions from multiple carriers based on your needs and priorities.

Step 3:

Ask Questions

We'll explain available coverage options and help clarify differences between policies.

Step 4:

Select Your Coverage

Choose the option that best aligns with your goals, budget, and circumstances.

Step 5:

Stay Protected

As your life changes, we'll help you review and adjust your coverage when needed.

What Kokomo Clients Ask Us Most

  • Where is Your Choice Insurance located in Kokomo?

    Our office is at 1542 S Dixon Rd, Suite E, Kokomo, IN 46902. We're open Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 3:00 PM. You can also reach us by phone at 765-393-8900 — no hold times, a real person answers every call.

  • Can a local Kokomo agency actually compete with big insurance companies on price?

    Yes — because we work with approximately 40 carriers, including many of the same companies the national brands use. We shop your coverage across all of them and present the most competitive options for your situation. You get the comparison power of a large marketplace with local, personalized service attached.

  • Do you cover tornado and storm damage for Howard County homeowners?

    We do, and we recommend coverage with central Indiana storm exposure in mind. Howard County sits in an area with real tornado and severe weather risk, and we factor that into every homeowners policy we build — including wind, hail, and structural coverage appropriate for the age and type of home you own.

  • Can I insure my collector car, motorcycle, or boat through Your Choice Insurance?

    Absolutely — we offer specialty vehicle coverage for collector cars, motorcycles, boats, campers, RVs, and golf carts. Standard auto policies often fall short for these vehicles, so we work with carriers who specialize in agreed-value and specialty coverage that actually reflects what your vehicle is worth.

  • Do you serve small businesses in Kokomo as well as personal insurance clients?

    We do. We offer commercial property insurance and general liability coverage for small business owners in Kokomo and the surrounding Howard County area. If you're running a business here — whether from a storefront, a shop, or your home — we can build a commercial policy that fits your operation.
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Ready to Talk to a Kokomo Insurance Agent Who Picks Up the Phone?

Getting a quote takes minutes, and you'll talk to someone who actually knows Kokomo — not a rep reading from a script in another state. We've been part of this community since 2006, and we're here to make sure your coverage works as hard as you do. Reach us at 765-393-8900 or start a quote online and we'll be in touch the same day.