If a homeowners policy is co-owned and One owner dies, who is the new owner

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 19, 2015

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Insurance Question from Berry, IL

Asked on 08/19/2015

If a homeowners policy is co-owned and One owner dies, who is the new owner My mom put my home in her trust and the mortgage in her name, she then bought homeowners insurance and named both of us. My house was suppose to be deeded to my trust at time of her death, 30 months ago, but the trustee refused. My home burnt down because an estate vehicle blew up in my garage and the trustee is saying the insurance and proceeds for repairs and personal assets should go into the estate account. Their lawyer sent a subpoena to the insurance company to get all the documentation about the fire including my personal stuff, so the insurance ℅ said we could not work on the settlement until probate is complete. Can you tell me of any Illinois laws or statutes that would help clarify me being the owner of the policy and that the insurance company had no right to include documentation on personal items and information.Thank you, Bonnie

Answer given on August 22, 2015

this is more of a legal question not insurance

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