Can my homeowners insurance refuse to cover my fiance for loss or liability on the home we jointly own because he is not related to me and make me buy renters insurance for him in NJ?

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Laws may be a little different in the Armpit of America but in the communist state of MA as long as you jointly own the home then you would be jointly covered on the home policy. If so then they cannot refuse your claim. If he is not joint owner he would have to get a separate tenants policy. The solution? You own everything excpet for mens clothing.
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