Does transferring the title of a home into a revocable living trust affect the homeowners insurance policy in California?

Transferring the title of a home into a revocable living trust generally does not affect the homeowners insurance policy in California. Under state law, property held in a revocable living trust is still considered the property of the settlor during their lifetime, meaning it is treated as if it is still owned by the individual who created the trust for most purposes, including insurance. While it is advisable to inform the insurance company of any changes in the title to ensure policy validity, the transfer of title into a revocable living trust should not inherently affect the homeowners insurance policy on the home in California.

Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. It is essential to consult with an experienced estate planning attorney to discuss your individual circumstances and create a plan that is right for you.