my home is owned by a trust but we still live in it. how do i get home insured ?

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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: Jan 13, 2019

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Insurance Question from Columbia, NH

Asked on 01/13/2019

my home is owned by a trust but we still live in it. how do i get home insured ? We are the doner in the trust Our daughter is the Trustee of the irrevocable trust. We still live in and maintain the home. How do i get home insurance to protect contents and structures. What name should the policy be written under

Answer given on January 13, 2019

In most cases where a home is in a trust, whether revocable or irrrevocable, you can get a regular homeowner insurance policy in your name. This will cover the home, your personal property, any additional structures and personal liability.  You add the trust as an additional insured to the policy.  There is no charge for this addition.

Check with your insurance agent or insurance company to review the coverages that you are seeking to be sure that the policy is properly written for your needs, and the needs of the trust. The attorney who helped set up the trust can also assist you in the writing of the insurance policy. There should be no problems with the handling of this insurance policy as long as you continue to live in the home. If you should move out the insurance will need to be changed.


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