Navigating a divorce is complex, even when both parties are largely in agreement about major issues. Even homeowner's insurance can be contentious in the middle of a divorce, and could potentially leave one person lacking the necessary coverage. Below are a few aspects to keep in mind when dealing with home issues during a divorce. 

Determine Who Is on the Policy

Only the person listed on your home insurance policy can make decisions regarding coverage. If both you and your spouse are listed, you’re both free to make changes. If only one is listed, the other spouse will be without any authority over the policy. 

This can make it difficult to update coverage when necessary. For example, if your spouse moves and takes some belongings with them, your policy should be updated with new figures listing the current value of personal property in the home. If you’re not on the policy, you’ll be unable to make these changes, and there may be gaps in your coverage. 

Consider Purchasing Your Own Insurance

If you're the spouse who’s moving out of the family home, you should also consider coverage at your new residence. Even if you’re renting a place, you should still have coverage for your belongings in place, which can be possible when you purchase renter’s insurance. 

Even if you’re on an existing homeowner’s insurance policy, this coverage will not extend to your current accommodations. Additionally, your landlord’s home insurance does not cover your personal items. Only the structure itself and common areas are protected by homeowner’s coverage. 

Divorce is a stressful and confusing time and can be even more difficult if you have problems with your homeowner’s insurance coverage. Kleppinger Insurance, LLC in Bethlehem, PA, is dedicated to providing exemplary service to clients, whether they’re just signing up for a policy, making a claim, or looking for guidance on home insurance during a divorce. As an independent insurer, agents make use of wide carrier networks to find the best qualities at the most affordable prices. They can also help customize your insurance policies to make sure you’re completely covered. Call (484) 357-1485 to schedule a consultation or visit them online to get started on your quote.