By Kristi Day, Living Trust Advisor · Published June 1, 2025 · Last reviewed October 24, 2026
Quick answer: Yes. After you move your home into a living trust, call your homeowner's insurer and ask them to add the trust as an additional insured (or named insured). It is usually free and prevents a claim from being questioned later.
Yes. If you've moved your home into a living trust, tell your insurer. If the trust isn't on the policy, you risk claim denials (for example after a wildfire or earthquake), liability gaps, cancellation, or lender problems.
Notify your insurer promptly.
Provide a certificate of trust (or the trust) and your recorded grant deed.
Ask for the trust to be added as an additional insured — not "additional interest," which doesn't provide coverage. Example: "The Smith Family Revocable Living Trust, dated January 1, 2025, as additional insured."
Review the endorsement — make sure every coverage, including earthquake (CEA), extends to the trust.
Keep it current after amendments, refinances, or a change of insurer.
In California, transferring your home to your own revocable trust typically does not trigger a Prop 13 reassessment. If you're on the FAIR Plan, it should list the trust too. Need help with the deed itself? See deed transfers.
