Indiana requires drivers to carry liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people, and $25,000 for property damage. This is commonly written as 25/50/25.

Indiana auto policies must also include uninsured and underinsured motorist coverage unless the policyholder rejects that coverage in writing.

These are only the state-required minimums. Depending on your assets, driving habits, and overall financial situation, higher liability limits may provide stronger protection if you’re involved in a serious accident.

The right amount of homeowners insurance depends on your home, belongings, liability needs, and the estimated cost to rebuild your property after a covered loss. In most cases, dwelling coverage should be based on your home’s replacement cost rather than its market value.

Indiana homeowners may also want to consider features such as finished basements, detached structures, mature trees, pools, and higher-value personal property when reviewing coverage. An insurance professional can help you evaluate your limits and make sure your policy reflects your home and individual needs.

Possibly. Standard homeowners insurance generally does not cover flood damage caused by rising or surface water.

Flooding can occur even outside areas officially designated as high-risk flood zones, particularly after periods of heavy rain or when rivers, creeks, and drainage systems overflow. Whether separate flood insurance makes sense for your Indiana home depends on your location, property, and individual risk.

In many cases, a swimming pool can be covered under a homeowners insurance policy, but coverage depends on your policy and how the pool is classified. Your policy may provide protection for the pool itself as well as liability coverage if someone is injured on your property.

Because a pool can increase your liability exposure, it’s important to let your insurance company know you have one and review your liability limits. Fences, gates, diving boards, slides, and other features may also affect coverage requirements.

Yes. Many insurance carriers allow Indiana residents to bundle their home and auto policies, which can simplify policy management and may qualify you for a multi-policy discount.

Bundling isn’t automatically the best option for every household, though. An independent insurance agency can compare multiple carriers to help determine whether placing your home and auto together or separately provides the best combination of coverage and value.

Indiana small businesses may have access to several types of insurance depending on their industry, employees, property, vehicles, and daily operations. Common options include general liability, commercial property, business owners policies (BOP), commercial auto, workers’ compensation, professional liability, cyber liability, and commercial umbrella coverage.

Because every business faces different risks, working with an insurance professional can help you determine which coverages and limits are appropriate for your operation.

Businesses using vehicles in Indiana generally need liability insurance that meets applicable state requirements. However, required limits can vary depending on the vehicle, how it is used, what it transports, and whether state or federal motor-carrier regulations apply.

Commercial vehicles may require significantly higher liability limits than a standard personal auto policy. Reviewing your vehicles and business operations with an insurance professional can help ensure your policy meets applicable requirements while providing appropriate protection.

Yes. An insurance agency does not need to have a physical office in Indiana to help insure your property there, as long as the appropriate insurance professionals are licensed to do business in Indiana and the carriers they represent offer coverage in the state.

Crunelle Insurance is licensed to serve clients in Indiana, allowing our team to help you compare homeowners insurance options and manage your coverage by phone, text, or email while providing the same personal service our agency has built its reputation on since 1970.