I am on a quit claim deed as joint owners with my two brothers, one sister and mother. My mother has homeowners insurance that includes liability. It only has her name and her husband's name on it. Her husband is not on the deed but has a life estate named in the will. Does her liability insurance cover myself, brothers and sister? Or must we purchase that on our own? Does her husband need to have his name on the insurance policy since he is not an owner? Only she and her husband live in the home in Connecticut. Myself and siblings live in other states. Any assistance would be greatly appreciated.