Should House Insurance Be In Joint Names? 
The insureds on the homeowners policy should reflect the legal ownership of the home . Normally the initial insurance policy is ordered by the title company and they make sure that the insured and the title read the same . Subsequent policies from other companies generally like to see a copy of the existing insurance and in that process they pick up the correct ownership of the policy . The one place where this doesnt always happen is when the ownership of the property is transferred to a living trust . The living trust should be included as additional insured at a minimum . 