Your Trust Is Set Up. But Is Your Home Still Insured? [Ep. 129]

A family wakes up to smoke filling their home. They escape safely. The fire department saves part of the structure. They file an insurance claim expecting help rebuilding.Then the surprise: only their personal belongings are covered. The house itself is denied.Why? The home had been transferred into a trust, but the trust was never added to the insurance policy. The insurer argues the named individual no longer has an insurable interest in the structure, leaving the family caught in a technical gap with massive financial consequences.This happens more often than people think. After the January 2025 Los Angeles wildfires, more than 37,000 claims were filed, and trust and insurance mismatches became one of the most common dispute triggers.The trust was set up correctly. The deed was transferred. One simple step was missed: updating the insurance policy.In this episode, Nathan and Brian break down:• How this coverage gap happens• Why transferring your home to a trust can create unintended risk• What insurance companies look for when evaluating claims• The simple fix that can prevent a catastrophic denial• What to check today if your home is in a trustIf your home is in a trust or you’re considering one, this is a must-watch.