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in the process of of taking a property subject to insurance is one of the things that you should already have ready to go and what I advise our students to do find an insurance company that you can have a conversation with that understands what you do and ask them if theyre willing to work with you if you like to use trust you need to make sure that they understand trust and that theyre okay with them because 99 times out of 100 the insurance is going to be on a property that you take over subject to is going to be owner occupied Insurance the second that you take title to that property unless you plan to move into it its no longer going to be owner occupied and even if you do plan on moving into it the sellers Insurance isnt going to be good anymore because they are listed as the primary loss payee so normally the way you want to handle this if you want to have a non-owner occupied policy