How do you apply for home insurance and under what sort of policy when you stay over at your boyfriends house most of the time but have kept your own home in case things don't work out?

Answer 1

Your home would be covered regardless of where you stay most of the time. There is one catch. Just make sure you pop in at least once every 30 days.

Answer 2

You can apply for a renters insurance policy for your boyfriend's house, listing it as your primary residence. You can also maintain a separate homeowners insurance policy for your own home as a secondary residence. It's important to disclose to the insurance company that you split your time between both properties to ensure you have the proper coverage.