Experience I am a Certified Insurance Counselor and have been in the insurance business since 1990.
Organizations Society of Certified Insurance Counselors and the Society of Financial Professionals.
Education/Credentials BA from Missouri Baptist University, and I hold six professional designations.
Awards and Honors 1990 Rookie of the Year, Gold Seal Agent, Top Producer for auto, home, life, and health insurance for AAA Auto Club of Missouri and Anthem Blue Cross of Missouri.
Question My husband, my sister & I own a duplex. My sister lives on one side of the home. My husband & I live on the other side of the home.
Due to disagreements among the families, we would like separate homeowners policies, each policy covering half the value of the house. Is this legal? Do we have to list the other owner(s) on the home owners policies as Additionally Insured?
Answer Hi Carol,
The first question is do you all three of your names appear on the deed? Next, you cannot separate a policy, but you can see if the house can be deeded into two separate units, to be legally described as two separate residences, if yes, then once that is done you would each be responsible for purchasing your own coverage going forward.
