My husband is not on the title of our home. Can he be on the homeowners insurance policy?

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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: Sep 24, 2014

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Insurance Question from Hazard, CA

Asked on 09/24/2014

My husband is not on the title of our home. Can he be on the homeowners insurance policy? I am trying to obtain a new homeowners policy and would like my husband on it. Is this possible if he is not on the title?

Answer given on September 25, 2014

Even if your husband is not on the title of the home or on its mortgage, you can add him to the policy as a named insured since he is your legal spouse.If you have a mortgage the lender could ask that he not be shown as a named insured, but they will usually not care if he is your spouse. If there is no mortgage and he is not on title you can add him to the insurance policy. You can also add him to the title if you choose to do so, but it is not required.Simply call your insurance agent or company and ask them to add your husband to the policy. If they ask, simply tell them he is your husband and he should be on the policy.Even if he is not added to the policy, he would still be covered under the policy for his liability and personal property since he is your spouse. However, it can be simpler if you go ahead and add him to your policy before there is an issue or claim under the policy.

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