Question regarding buildings/contents insurance

Question

When applying for household insurance (buildings and contents) is it necessary to have my husband as a joint applicant - it makes the form filling easier if I don't but would it have any implications if I needed to make a claim if he was not a joint policyholder? I have answered that there are 2 adults and 2 children living in the house.

(I know that I have placed this under Business but thought it more appropriate than Homes and Gardens!)

Answer 1

I have worked in insurance for twenty years. Fill out the prop with joint names but only one of you needs to sign it.

I think Car is a Yank. Its a different market over there. Ignore him.

xx VP

Answer 2

if he has an insurable interest in the property then technically he should be on there. most mortgage lenders will also request they are noted on the policy as they again have an insurable interest.

Answer 3

Of course your husband should be listed on the policy, married people get cheaper rates anyway =) All you have to do is list his name, DOB, and SS# which only takes about thirty seconds.

Answer 4

If the house and contents are jointly owned then strictly you should both be policyholders simply so that you are both formally recognised as "the insured".In practice this is probably not a major issue but for instance if you ever make a claim the insurance company will not talk to or deal with your other half without your consent (Data Protection and so on) A minor irritation but possibly a factor in your decision.    

Answer 5

If you both have a financial interest then it should be in joint names. The implications if you claim and your husband is not noted is that he wouldnt you would solely be paid for the claim.

The only time this could cause any kind of problem is if you were getting divorced (which I  hope your not or don't)

I would also say that if the policy is in joint names either of you could make changes on the policy or discuss it with your insurance company. If its just in your name it could make it difficult if for example your husband bought you jewellery and wanted to add it to the policy he wouldn't be able to do this as hes not named and it would be breaking the DPA

Im just editing to add that VP i beg to differ I am an household insurance underwriter and if a policy is in joint names then both insureds have to sign the proposal form.

Answer 6

Building and contents?   You are talking about homeowners insurance, I think.   It should not be easier or harder to put your husband on the policy.   All the agent needs is his name and birthdate.   What is so hard about that?  

If he is not on the policy he is still covered but when the claim is paid the check would only have your name on it and he may not like that.   And it makes no difference how many children are in your home so why do you mention that?   If your question is about insurance then why would you put this question under Homes and Gardens?  I am not sure if your question is being asked properly or not.  If I got it right and you do not want your husband on a homeowners insurance policy that would only affect you if there is a claim.  

I was just not sure if I had your question right, that's all.