The 5 Most Common Auto & Home Insurance Mistakes Hoosiers Make

Buying insurance in Indiana can feel simple, until it’s not. Many Hoosiers unintentionally set themselves up for expensive surprises. Here are five common mistakes to avoid when protecting your home and car.

1. Choosing Only Minimum Auto Coverage

Indiana’s minimum auto limits (25/50/25) might be legal, but they won’t protect you in a serious accident. Hospital bills, lost wages, and vehicle damage can easily exceed those limits. Aim for at least 100/300/100 to keep your assets safe.

2. Skipping Uninsured/Underinsured Coverage

With roughly one in six drivers uninsured, this coverage is essential. It protects you when someone else’s lack of insurance threatens your financial stability.

3. Underinsuring Your Home

If you haven’t updated your home policy in a few years, your coverage may not reflect rising building costs. You should always insure based on rebuild value, not what your home is worth on the market.

4. Not Taking Advantage of Bundles

Bundling your home and auto insurance does more than save money it also coordinates your protection. Claims often overlap (like when a storm damages both your car and house), and having everything under one agency simplifies the process.

5. Forgetting to Review Annually

As your family, vehicles, and home change, so should your coverage. A yearly review ensures your insurance still fits your lifestyle and financial goals.

✅ The Takeaway: Insurance isn’t about checking a box. It's about protecting your life’s biggest investments. At Corsi Agency, we help Indiana homeowners and drivers build smarter coverage that actually works when it’s needed most.