Home Insurance for Separated Couples: What You Need to Know

Dmytro Liubchenko

By Divorce.com staff
Updated Aug 28, 2023


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Home Insurance for Separated Couples: What You Need to Know

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The United States has one of the highest divorce rates in the world, with 40% to 50% of married couples filing for a divorce.

Separation or divorce can be one of the worst periods of someone’s life. And we’re not talking just about the end of a relationship but addressing the various practical aspects of a life you might have been building together.

One of the most crucial areas that separated couples need to consider is home insurance. In this article we will provide you with insights on navigating home insurance after separation, ensuring the protection of your property and peace of mind.

Home Insurance for Separated Couples: What You Need to Know

Assessing Existing Coverage

You must begin by reviewing your existing home insurance policy and determine its status. If both of you were listed as policyholders, you will need to decide how to proceed.

You also have an option to maintain the current policy with one individual as the primary policyholder or transferring ownership and coverage to one person entirely.

Our advice would be to consult with your insurance provider and a legal professional to help you understand the implications of each choice.

Co-Ownership and Renting Out

If you and your former spouse continue to co-own the property but live separately, you may need to make additional considerations. Obtaining a landlord policy could be beneficial if one partner decides to rent out their portion of the property.

This type of policy generally covers the rental unit, liability, and loss of rental income. Make sure to consult with your insurance provider to ensure appropriate coverage for both partners.

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Updating Personal Information

It goes without saying that during a separation, it is crucial to update your personal information with your insurance provider. It includes changes in marital status, address, and ownership details.

If you fail to do so, there might be gaps or complications in coverage. Communicating with your insurer in time will help ensure accurate documentation and prevent any potential issues during the claims process.

Seek Professional Guidance

We understand how complicated navigating home insurance matters during a separation can be. Consulting with insurance experts like Renegade Insurance can help ease the process.

They can provide tailored guidance based on your unique situation, ensuring your interests are protected so you can make informed decisions regarding your home insurance.

Separation will bring significant changes to lives, and home insurance is an essential aspect in someone’s life that cannot be ignored. We urge you to review your home insurance policy, consider the co-ownership arrangements, update personal information, and seek professional guidance.

By following these guidelines, you can navigate the complexities of home insurance after separation and secure the necessary protection for your property.

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