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The Named InsuredYes. It is a legal issue.

A homeowner's policy insures the named insured for damage to their home. This assumes the named insured maintains an insurable interest in the house, meaning that they have not sold it to someone else. The policy cannot be transfered to a new owner.

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โˆ™ 2010-05-21 03:08:26
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โˆ™ 2015-06-05 17:26:19

Yes. The legal owner must be named as an insured on the policy. It is illegal to insure the property of another where no insurable interest exists.

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Q: Does homeowners insurance have to have the name of the owners on the policy?
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Related Questions

Does a homeowners insurance policy have to have the name of the current owners on the policy?

Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.

Can my husband add my name to a homeowners insurance policy but not to the deed?


How do you find out who your home owners insurance is with?

If it is your home, just look at your insurance policy. It will always tell you the name of your insurance company.

How do you get insurance when you are not the registered owner of the car?

Answer:As long as you have the owners name on the insurance as owner you can insure it under your own policy

Who sells insurance to a driver without a car?

a non-owners auto insurance policy can provide liability coverage in the event you operate a vehicle that is not owned by you nor insured under your name.

Can anyone b on your homeowners insurance?

A homeowners insurance policy should be in the name of the owner(s) of the property as listed on the property deed. Also considered to be insured under the policy are all household residents. Children who are immediate family members and who are temporaily away at boarding school or college are still members of the household.

Who is the owner og a life insurance policy?

The owners name is listed on the life insurance application unless it was changed at some point. Any change was also mailed to the policy owner and should be added to the policy. Only the owner can make changes to the policy.

My Husband was in a acident in a friends house. We have to file a claim with the homeowners insurance but they are not cooperating. How do I find a homeowners insurance company and policy number I have the name and the adress.?

There are a substantial amount of business that offer homeowners insurance in your area so without the specific name of yours I am unable to find out where you should go to get your policy number. If you are looking to find your existing insurance information then you should conduct a search on the internet using the insurance company name and city which should bring it up. If you are looking for new insurance company you could contact Allstate which has a very good reputation @ 345 South Coast Highway 101 in Encinitas @ (760) 479-1370

When my father died the homeowners insurance was never changed to my name the deed was put in my name can this be grounds to be denied a claim on the policy?

Yes, you situation can result in a denial of coverage.Homeowners insurance is property and liability coverage specific to the property of the named insured(s). Since your father has died, You have to buy insurance in the name of the new owner

If two people are listed as the homeowners do both of them have to apply for homeowner insurance?

Yes, anyone with an interest in the property should be on the homeowner's insurance to protect their "share" of the property. If there are multiple owners, they can all share one policy, but it needs to name all of them, otherwise, when someone makes a claim, the insurance company may refuse to pay for damage to something in the home that belongs to the uninsured owner.

What is the name of the holder of an insurance policy?

is it a policy holder?

When you are in bankruptcy should you continue to pay for your homes hazard insurance?

Bankruptcy and Homeowners InsuranceYes, You should continue your homeowners Policy until such time the the property has been transferred back to the lender or to another owner.So long as the property is in your name, whether your in bankruptcy or not, you are still liable for any damages.

Does auto insurance policy have to be in the same name as on the title?

does the name on the insurance policy have to be the same as the title in anderson south carolina

Can you get insurance on auto that is not in your name?

You can pay for insurance on an auto that is not yours...but the policy must be the titleholder's policy.

How can i find out if i had insurance with you?

You should review your insurance policy. The name of your insurer will be displayed on your policy declarations page.

How can you find a life insurance policy if you have insurance company name and policy number?

You can call the insurance company and provide your policy number, and they can provide any details on your policy, or send a duplicate policy if the original was lost.

Can your agent who is also the best friend of your ex remove you as an insured on your homeowners policy even though you co-own the property?

If you own the property you are an insured. The agent can't legally remove you from the policy. If he does he is subject to review by your states Insurance Licensing Bureau.

Would a mortgage company change your homeowners insurance to their name if they were not going to approve your loan?


What if your name is on the life insurance policy?

It depends on where your name is listed. It would be nice to have your name listed on the 1,000,000 life insurance policy of your 78 year old neighbor.

Will your home owners insurance pay for rodent damage to your stove?

the standard homeowners policy excludes damages caused by rodents, insects and vermin. some states expand this language even further to name the specific types. all policies would include a deductible - the average stove may not exceed the deductible anyhow.

If my mother is deceased and the deed and home owners insurance is still in her name and the homeowner insurance lapsed How can I get new insurance?

Add your name to the deed.

What types of insurance is provided by 21st Century Insurance?

21st Century insurance provides a couple of types of insurance. To name a few: car insurance, homeowners insurance and all it's aspects and life insurance.

When is insurance required?

Insurance is needed every time there is an uncovered risk.For a vehicle anytime you have one registered in your name. For homeowners when you have a mortgage.

Does the insurance need to be in owners name in Michigan?

Auto insurance should always be in the name of the owner of the vehicle. The only time it is allowed to be otherwise is in the case of family situations such as husbands and wives and children members of the household. Since an insurance policy is a legal contract you cannot insure a vehicle that you do not own. If you do so the policy is void and the company cannot pay the claim if it occurs.

Can you get an auto insurance policy with no vehicle?

Yes, In the United States, It's called a Personal Non-owners Insurance Policy, sometimes referred to as a "Drivers Policy" or an "Operators policy". Non Owners insurance however is intended for "unplanned, unexpected" usage. It is limited secondary coverage (liability only) that only invokes once the vehicle owners policy limits are exhausted. A personal Non owners Auto insurance policy generally does not provide coverage for a rental vehicle since a rental vehicle typically includes a reservation and several actions in a course of a "plan" to rent the vehicle. It does not provide coverage for a commercial vehicle of any type since it is a personal lines policy, (Personal lines auto polices do not cover commercial vehicles) nor for any vehicle that you drive on a regular (expected) basis or that you have regular (expected) access to.If you are considering a Non Owners Auto Insurance policy, be sure to discuss the coverage offered with a qualified insurance agent. Your agent can explain the limitations of coverages afforded and help you determine if it's right for you.The rules of Policy construct may vary in other countries.AnswerYES, I can verify this, it's a national policy and will be good for any vehicle you drive anywhere. But you do not need it. If you do NOT OWN A Vehicle of your own, registered in YOUR NAME, At your address, (They do not check) you will automatically are covered under that vehicle owners policy no matter what happens."