Can a home be insured by a person other than the person(s) on the deed?

Yes, a home can be insured by a person other than the person(s) on the deed. However, the insurance policy must reflect the legal ownership of the property, so the policyholder may need to demonstrate an insurable interest in the property to obtain coverage. An insurable interest means that the policyholder has a financial stake in the property and would suffer a financial loss if the property were damaged or destroyed. This could include a mortgage lender, a landlord, or a family member who has a financial interest in the property. For example, if you are the sole owner of a home but your partner pays for the insurance policy, the policy can still be issued in your name but your partner would need to demonstrate an insurable interest in the property. This could be done by showing that they contribute to the mortgage payments or have made significant improvements to the property. It's also worth noting that if you own a home but rent it out to tenants, you may be required to carry a landlord insurance policy, which provides coverage for rental properties. This type of policy typically includes liability coverage and can help protect you in the event of lawsuits or property damage caused by your tenants. In summary, a home can be insured by a person other than the person(s) on the deed, but the policyholder must have an insurable interest in the property. It's important to carefully review the terms of the insurance policy and ensure that it provides adequate coverage for your specific situation, whether you are the homeowner, landlord, or other interested party.