Title is in mine AND my daughters name, can I pay insurance on it?

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Asked July 10, 2017

1 Answer


A third-party can pay an insurance premium on real property, personal property, even vehicles. Simply paying an insurance premium has no effect on how the property is titled/vested. The only issue that could arise is if the third party that is making the payment chooses to record a lien against the property. The lien would only mean they would get a piece of the pie if the asset was liquidated. The lienholders that were on title prior to the insurance payor's lien would be paid first and the third-party insurance payor would only be entitled to compensation if there was anything left from the proceeds after paying off the chronologically superior liens.

Sorry if that is confusing. My short answer is that an insurance company doesn’t really document the source of their premium payments since it wouldn’t have any impact on them. So I really don’t think you will have any issues paying the insurance premium.

Answered July 11, 2017 by JDouglas

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