Indiana Code Title 27. Insurance § 27-1-13-18

Sec. 18. (a) This section applies to a loss or damages incurred after June 30, 2025, for a policy of insurance that is described in:

However, this section does not apply to a commercial lines property insurance policy.

(b) This section applies regardless of whether the policy of insurance was created before, on, or after July 1, 2025, unless the application of this section to the policy of insurance would:

(c) The following definitions apply throughout this section:

(d) Subject to subsection (e), each transferee of a named insured's insurable interest in real property is also an insured to the extent of the named insured's insurable interest in real property that the transferee has acquired or received through a transfer.

(e) Except as provided in subsections (f) and (g) and IC 32-38-3-1, for a period of sixty (60) days immediately following the death of the insured, each transferee is an insured under a property insurance policy insuring the real property the transferee acquired or received through a transfer.  At the time of the insured's death, the transferee succeeds to the rights and obligations of the insured under the property insurance policy, to the extent of the insured's insurable interest in real property that the transferee has acquired or received through a transfer, for the sixty (60) day period.

(f) If a property insurance policy has a policy expiration date that is less than sixty (60) days after the death of the insured, insurance coverage continues for either:

whichever is later.

(g) If a transferee obtains a property insurance policy insuring the real property the transferee acquired or received through a transfer, the transferee is not an insured on the insurance policy described in subsection (e) once the transferee's property insurance policy becomes effective.