Why does my trust need to be listed as an insured?

Your homeowner’s policy must name the legal owner of record. Add the trust as an additional insured (you can still appear as trustee or managing member). This keeps the policy aligned with the deed and ensures any claim is paid without hiccups.

If title sits in a trust and that entity isn’t listed as an insured, coverage gaps or claim delays can occur since insurers can question whether the “named insured” actually owns the home. Additionally, Point’s security interest isn’t fully protected, which can stall closing.