Question

If I'm on the deed but not the mortgage, can I still be on the homeowners insurance?

I'm on the deed but not the mortgage. Is it still possible for me to be on the homeowners insurance? I was told it has to match the person on the mortgage. We are planning on getting married but are both on the deed.

Dec 16, 2019 Wilmington, DE

Answer
Ross Martin

Dec 16, 2019

Thanks for the question. I see no issue with you being on the insurance if you are on the deed to the property. The mortgage company will want to be listed as an interested party in the event of a claim payout. They will also want their client listed as a person on the insurance. Beyond that, there should be no problem with you also being listed. Most home insurance I'm familiar with would let you have multiple people listed as insureds.


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