Landlord policies on multiple properties & claim exposure

[Payman A.]

Hi all and hope everyone is keeping well/safe.

After a water damage incident that I've not yet claimed with my insurance (due to fear of hikes and other repercussions after 2 unrelated claims in 2017 & 2018), I've been researching the scenario of multiple properties under personal ownership (in this case, my wife and I) and oddly enough, there does not seem to be a differentiated formula for claim frequency tolerance compared to a single property.  Accordingly (& in order to separate our insurance records for any future claims), I started looking into my wife and I having only one of our names on each policy but I'm getting different answers from my brokers and my legal advisor regarding a spouse who lives at the same address automatically being covered for liability exposure even if that spouse is not a named insured on a landlord policy.

Might anyone have any additional info or experience on this?

Thanks,

Payman