The “Names Insured” on the homeowner’s insurance policy (CA) should be the SAME as the house’s title???

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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: Oct 12, 2012

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Insurance Question from Artesia, CA

Asked on 10/12/2012

The “Names Insured” on the homeowner’s insurance policy (CA) should be the SAME as the house’s title??? My question is:Is it important that the "Names Insured" on the homeowner's insurance policy should be the SAME as the house's title? Otherwise, if something happens, the insurance company only covers the portion of the names insured. For ex, if AA & BB are on the house's title, and ONLY AA is on the homeowner's insurance policy as "name insured", then if sth happens to the house, the insurance might only cover for AA's portion ( or AA's "insurable interest") which is only 50% of the house?Please give your advice on putting names in the "Name Insured" so that we are fully protected?

Answer given on October 22, 2012

A homeowner insurance policy should be written in the names of the persons on the title, presuming they also live in the home. If there are multiple couples or people on title but only part of them live in the home, then the occupants of the home should be the named insured on the policy.The other people on title should be named on the homeowner policy as additional insureds. By making them additional insureds they are protected under the dwelling coverage and under the liability portion of the insurance, but it does not cover them for the personal property portion. Since they do not live in the home, they would have no insurable interest in the personal property.If there is a loss for liability or for damage to the home itself, the additional insusreds would be included on the ckaim check. There is no cost for this additional insured endorsement. Ask your agent or oompany to confirm this endorsement is on the policy.

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