[quote=earlyretirement]
Actually I’d love to just buy a homeowner’s policy under my own name. The only thing I worry about is if there is some major loss like a fire, I would just want to make sure an insurance company doesn’t try to weasel out of paying because my name isn’t on the title deed. [/quote]

It wouldn’t be weaseling out of anything. You have no insurable interest. As a practical matter, you cannot insure something you don’t own.