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Liz Weston: Should our trust be listed as 'additional insured' on our home insurance policy?

The article by Liz Weston, published on OregonLive, discusses whether a trust should be listed as an additional insured on a home insurance policy. Weston explains that when a home is placed in a trust, typically for estate planning purposes, the trust itself does not need to be named as an additional insured on the homeowner's insurance policy. Instead, the policy should cover the property, and the trust's beneficiaries or trustees might be listed if necessary. She highlights that insurance companies usually require that the policy reflects the ownership structure, which in this case would be the trust owning the property. However, the key is ensuring that the policy provides coverage for the property regardless of who the legal owner is, and that any claims or losses are covered under the policy. Weston advises consulting with both an insurance agent and an estate planning attorney to ensure all aspects of the trust and insurance are correctly aligned to avoid any coverage issues.

Read the Full Oregonian Article at:
[ https://www.oregonlive.com/business/2025/02/liz-weston-should-our-trust-be-listed-as-additional-insured-on-our-home-insurance-policy.html ]


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