@thomasbennett.us: Your attorney helped you put your house in a living trust... but forgot the one thing that could end up costing you everything. 🏛️ Most people think transferring the house is the finish line. Sign the paperwork, avoid probate, feel protected, move on. But there’s a gap almost nobody checks... your homeowner’s insurance. If it’s still sitting in your personal name while the trust legally owns the house, you’re not as covered as you think. And a fire, a flood, or a storm is the wrong time to find that out. Here’s what most people are told to do: call your insurer, add the trust as an “additional insured,” done. That’s the rookie way. It works, technically. But it puts your name right back on the paperwork... which quietly undoes the privacy you set up the trust to get in the first place. The way wealthy families actually structure it flips the whole policy. The trust becomes the named insured, because the trust is the legal owner. You get added under a clause called ATIMA... “as their interests may appear.”

Thomas Bennett

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Region: US

Wednesday 15 July 2026 03:42:09 GMT