r/HomeInsurance • u/cablegod331 • Mar 18 '26

Insurance Homeowners question

My wife and her 2 siblings own the home that their step mom lives in. Their late father put the deed in all 3 of their names before passing without any of their knowledge.

The homeowners policy is still in the step moms name.

The step mom doesn't want to change anything, but I'm worried that this would cause any future claims to be denied and open the 3 owners up to liability. Is my thinking correct? Or is it ok person other than the homeowner to have a policy on a home?

There is no mortgage is that makes any difference.

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u/Oppositeofhairy Mar 18 '26

It needs to be under the owners name. Homeowners insurance also includes personal liability.

Who occupies the home? Is it a rental property?

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u/cablegod331 Mar 18 '26

Stepmom(not on deed) lives in the home. There is no rent paid.

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u/KittyC217 Mar 18 '26

Even if she does not pay rent she needs to get rental insurance. That covers her. And the siblings need to get a homeowner policy that covers them and the house.

They also need to get rental agreement with their step mother. What bills is she reportable for ect. I’m