Home in a Trust? Make Sure Your Insurance Still Has You Covered
You’ve taken the smart step of putting your home in a trust to protect your family and avoid the cost and hassle of probate. But did you know that if you don’t update your homeowner’s insurance, your claim could be denied when you need it most?
Many homeowners assume their insurance stays the same after transferring their property into a trust, but a small oversight could leave you paying out of pocket for major damage. The good news? Fixing this is easy.
How to Make Sure Your Insurance Matches Your Trust
Insurance companies base coverage on legal ownership, and when you move your home into a trust, that changes. If your insurance policy still lists you as the sole owner instead of your trust, your claim could be denied—even if you've been paying premiums for years.
To protect your home, notify your insurance company as soon as you create or update your trust. Most insurers will simply add your trust as an additional insured or include a trust endorsement. This quick step ensures your policy will actually cover you when it matters.
Small Mistakes That Can Cost You Big
Many homeowners make common mistakes that put their coverage at risk, such as:
✔ Forgetting to notify their insurance company – A delay in updating your policy could leave a coverage gap.
✔ Listing the trust name incorrectly – Even small errors in the legal name can create claim issues.
✔ Not reviewing their policy regularly – As home values and insurance rules change, your coverage should keep up.
We Help You Get It Right
Protecting your home isn’t just about having a trust—it’s about making sure all the pieces of your plan work together. Our Life & Legacy Planning® process includes:
✅ A full review of how your property is owned and insured.
✅ Regular check-ins to keep your trust and insurance aligned.
✅ Guidance to avoid costly gaps in coverage.
Don’t wait until disaster strikes to find out there’s a problem. Let’s make sure your trust and insurance work together to protect your home and family.
📅 Schedule a complimentary 15-minute consultation today.
This article is a service of Starsia Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life & Legacy Planning Session™, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love.
The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.