Insurance Agency in Highland, Indiana - Independent Local Service Since 1934
Trusted Highland insurance agents providing home, auto, and business coverage from multiple carriers
Highland Insurance Experts Serving Your Neighborhood
Located at 3026 45th Street in the heart of Highland, we've been serving Lake County families and businesses since 1934. Our agency understands the unique insurance needs of Highland residents—from protecting homes in historic neighborhoods like Lincoln Park and Hidden Valley to covering the growing number of small businesses along Indianapolis Boulevard and Ridge Road.
Highland (ZIP codes 46322, 46320) is home to over 23,000 residents who value community, quality schools, and small-town character with easy access to Chicago. We protect what matters most to Highland families: your homes (median value $185,000), vehicles navigating winter lake-effect snow, and businesses serving our close-knit community.
Why Highland Residents Choose Manta & Hurst
Local Expertise Since 1934
We understand Highland's flood zones near the Little Calumet River, windstorm risks from lake weather, and the specific coverage needs of older homes in established neighborhoods.
Multiple Carriers
We shop multiple carriers to find the best rates for Highland homeowners, whether you're in a newer development near Main Square or a vintage home near Wicker Memorial Park.
Community-Focused Service
We sponsor Highland Little League, support Highland Grove community events, and take pride in protecting our neighbors. When you call, you talk to someone who knows Highland.
Serving All Highland Neighborhoods:
Lincoln Park • Hidden Valley • Highland Grove • Southmoor • Lincoln Ridge • Main Square area • Cline Avenue corridor • 45th Street business district
For more details on coverage, see our Personal Insurance and Business Insurance pages, or contact our Highland office.
Highland Insurance FAQs
Do I need flood insurance in Highland?
Standard home policies don’t cover floods. Homes near the Little Calumet River or low‑lying areas may benefit from an NFIP policy. Separate from flood, consider a water/sewer backup endorsement for sump/line failures—common in older neighborhoods.
What auto liability limits do you recommend?
Indiana minimums can leave a big gap after serious accidents. Many Highland drivers choose at least 100/300/100 or a $300K CSL with UM/UIM matching liability, especially for frequent highway travel.
How can I lower my premium without cutting coverage?
Bundle home + auto, raise deductibles slightly, add protective devices (alarms/sensors), review roof/updates, and re‑shop carriers. As an independent agency, we compare multiple carriers to help you keep strong protection at a fair rate.
How to Choose Coverage in Highland
- Home: Aim for full replacement cost on Coverage A; consider water backup, ordinance or law, and scheduled valuables.
- Auto: Prioritize liability and UM/UIM; add comprehensive/collision, rental, and roadside based on vehicle age and commute.
- Business: Compare BOP vs. custom GL/Property; evaluate Workers’ Comp and Cyber if you store customer data or run POS systems.
- Umbrella: Add $1–2M extra liability to safeguard savings, property, and future income.
Coverage for Highland Residents
Home & Renters
Protect your home and belongings. Options for water backup, jewelry, and more.
Auto & Motorcycle
Indiana-compliant coverage with options beyond the minimums.
Business Insurance
GL, Property, Workers' Comp, and Cyber for local businesses.
Talk to a Highland Agent
We're right here in Northwest Indiana and ready to help.
Carrier partners include Auto-Owners, The Hartford, Travelers, Progressive, American Modern + more.
📞 Call (219) 924-4500