What Is Joint Home Insurance? 
I am not exactly sure what you are asking or the reference to what you have going on however I will try to briefly address your question and I hope it helps . Joint homeowners insurance is written when there are 2 parties that have insurable interest in a property and purchase a home insurance policy and both are listed as primary insureds on the policy . Insurable interest means you or an entity own part of the legal rights to the property . I hope this helps 