Is Homeowners Insurance Transferable? 
The answer as to the `` right to transfer '' coverage is specifically addressed in the policy conditions and it generally limits transfer . In the conditions section of your policy the insurance carrier rejects a transfer of the policy without their consent for all the reasons and others not mentioned in Ken Boncela 's answer to this question . All carriers administer this provision differently but generally speaking a transfer from wife to husband , or from husband to wife is typically granted without the need to rewrite the policy . If your name appears on the policy with others the carrier may require a statement signed by the other party to disclaim the interest in the policy of the others named in the declaration page , but a new policy is n't generally required in this instance either . This type situation is one that may come up when a house is owned jointly by family members but not insured as a business or partnership name . As a general rule of thumb , transferred policies carry with the coverage , the accumulated experience of the previous owner -LRB- s -RRB- so for you , it might be better to shed the past and start anew on a policy issued in your name alone . In almost every other instance , transfer is rejected and a new policy is required . 