republic-os/legislation/us/states/in/2024/hb-1034.md

---
type: "Bill"
title: "Insurance and transfer on death deeds."
description: "Extends insurance coverage on property transferred by a transfer on death transfer following the death of the insured after December 31, 2024, for property and casualty insurance and liability insurance other than title insurance and certain insurance relating to bonds and mortgages. Allows certain warning language to be included in a transfer on death deed executed after December 31, 2024. Provides that a failure by a beneficiary to file an affidavit in the office of the recorder of the county in which the real property is located or a delay by the county recorder in recording the affidavit does not affect the validity of the transfer on death transfer to the beneficiary. Provides that until the affidavit is recorded, the transfer on death beneficiary or beneficiaries named in the transfer on death deed and the estate of the deceased owner are jointly and severally liable for property taxes assessed with respect to the real property for assessment years beginning with the assessment year in which the owner's death occurs. Provides that if a transferee obtains a property and casualty insurance policy or liability insurance policy insuring the real or personal property the transferee acquired or received through a transfer, the transferee is not an insured on the insurance policy of the transferor once the transferee's property and casualty insurance policy or liability insurance policy becomes effective."
jurisdiction: "us/states/in"
legislature: "Indiana General Assembly"
session: "2024"
identifier: "HB 1034"
citation: "Indiana HB 1034 (2024)"
classification: ["bill"]
subjects: ["FINANCIAL SERVICES; Bonds (Non-Judicial)", "FINANCIAL SERVICES; Loans and Mortgages", "INSURANCE; Property (Excluding Motor Vehicles)", "LOCAL ELECTED OFFICIALS; Recorders", "PROPERTY; Generally"]
status: "enacted"
primary_sponsors: ["Aaron Freeman", "Eric Koch", "Jerry Torr"]
version_count: 4
action_count: 22
vote_count: 3
first_action: "2024-01-08"
last_action: "2024-03-04"
source: "openstates"
source_identifier: "ocd-bill/b9ab073e-1250-4411-8ba2-5136997db89e"
source_url: "https://api.iga.in.gov/2024/bills/hb1034"
source_hash: "5ea584529bea105b19e14cdeeded2f56887292039130e0c22b9dc9434b63502f"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-in"]
---

# Indiana HB 1034 (2024) — Insurance and transfer on death deeds.

Extends insurance coverage on property transferred by a transfer on death transfer following the death of the insured after December 31, 2024, for property and casualty insurance and liability insurance other than title insurance and certain insurance relating to bonds and mortgages. Allows certain warning language to be included in a transfer on death deed executed after December 31, 2024. Provides that a failure by a beneficiary to file an affidavit in the office of the recorder of the county in which the real property is located or a delay by the county recorder in recording the affidavit does not affect the validity of the transfer on death transfer to the beneficiary. Provides that until the affidavit is recorded, the transfer on death beneficiary or beneficiaries named in the transfer on death deed and the estate of the deceased owner are jointly and severally liable for property taxes assessed with respect to the real property for assessment years beginning with the assessment year in which the owner's death occurs. Provides that if a transferee obtains a property and casualty insurance policy or liability insurance policy insuring the real or personal property the transferee acquired or received through a transfer, the transferee is not an insured on the insurance policy of the transferor once the transferee's property and casualty insurance policy or liability insurance policy becomes effective.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Engrossed House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1034/HB1034.04.ENGS.pdf)
2. **Enrolled House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1034/HB1034.05.ENRS.pdf)
3. **House Bill (S)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1034/HB1034.03.COMS.pdf)
4. **Introduced House Bill (H)** (committee substitute) — [source](https://iga.in.gov/pdf-documents/123/2024/house/bills/HB1034/HB1034.01.INTR.pdf)

## Votes

- HB 1034 - Torr - 3rd Reading — **91–0** (pass) · lower
- HB 1034 - Torr — **85–0** (pass) · lower
- HB 1034 - Koch - 3rd Reading — **49–0** (pass) · upper

## Sponsors

- Aaron Freeman — primary (person)
- Eric Koch — primary (person)
- Jerry Torr — primary (person)
- Lonnie Randolph — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2024-01-08** Authored by Representative Torr
- **2024-01-08** First reading: referred to Committee on Insurance `reading-1, referral-committee`
- **2024-01-25** Committee report: amend do pass, adopted `committee-passage`
- **2024-01-29** Second reading: ordered engrossed `reading-2`
- **2024-01-30** Third reading: passed; Roll Call 74: yeas 91, nays 0 `passage, reading-3, reading-3`
- **2024-01-30** Senate sponsor: Senator Koch
- **2024-01-31** Referred to the Senate `referral`
- **2024-02-05** First reading: referred to Committee on Insurance and Financial Institutions `reading-1, referral-committee`
- **2024-02-15** Committee report: amend do pass, adopted `committee-passage`
- **2024-02-15** Senator Randolph added as cosponsor
- **2024-02-19** Amendment #1 (Koch) prevailed; voice vote `amendment-passage`
- **2024-02-19** Second reading: amended, ordered engrossed `reading-2`
- **2024-02-19** Senator Freeman added as second sponsor
- **2024-02-20** Third reading: passed; Roll Call 160: yeas 49, nays 0 `passage, reading-3, reading-3`
- **2024-02-22** Motion to concur filed `filing`
- **2024-02-22** House concurred in Senate amendments; Roll Call 186: yeas 85, nays 0
- **2024-02-21** Returned to the House with amendments `receipt`
- **2024-02-27** Signed by the President Pro Tempore `passage`
- **2024-02-27** Signed by the Speaker `passage`
- **2024-02-28** Signed by the President of the Senate `passage`
- **2024-03-04** Signed by the Governor `executive-signature`
- **2024-03-04** Public Law 2 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b9ab073e-1250-4411-8ba2-5136997db89e`. Confidence: reported (aggregated from official Indiana legislature records).