Can I get renters insurance on my mother's house if the house has not yet changed into my name
I've been trying to maintain my mother's home policy after she passed away a couple months ago. the grief process is taking longer than expected and I had not done my diligence work in getting the home transferred into my name. I believe her homeowners policy has canceled as when I tried to call they will not answer my questions to that affect so i fear the insurance has lapsed. I had been trying to pay on it but it lapsed by a couple of weeks and when I tried to go back in and pay it that's when the questions came up.
Until I'm able to get my mother's house in my name which may take a few weeks due to my work schedule, can I get a renters policy while I'm here. I have a renters policy for my permanent place of residency but due to the fact that I may be at my mothers home for the next few months is it possible to get a renters policy on this home as well until I get things changed into my name and can get a homeowner's policy instead.
Is there anything I need to be aware of when calling the insurance company where I have my present renters policy. Will it look suspicious if I try to get a second renter's policy and how do I keep everything above board and should I get a larger amount than I normally would on the policy since the actual insurance on the house may have lapsed or will they consider that before they issue me a renter's policy on my mothers house.
I have so many questions if anyone can just give me some considerations .
Posted Sep 25, 2026, 5:15 PM UTC