Can a homeowner policy be transferred without the insurer's consent?

A homeowner policy typically contains clauses regarding the transfer of rights and obligations under the policy. The correct understanding is that a homeowner policy cannot be transferred to another party without the insurer's written consent. This requirement protects the insurer from unforeseen risks associated with changes in ownership or occupancy, ensuring that they are aware of who is covered under the policy and can assess the associated risk appropriately.

Most insurance contracts stipulate that the original policyholder must maintain an ongoing relationship with the insurer. This means any attempt to transfer the policy to a new owner—such as selling the home—will necessitate the insurer’s approval to ensure that the new owner falls within the insurer's underwriting guidelines.

Other options may imply that a transfer could happen without proper consent, which is not aligned with standard insurance practices. This ensures both parties are aware of their respective rights and obligations under the policy during the transfer process.