Insurance on Sub To

[Hamilton Borden]

I bought a house sub too! Kudos to Pace and Bigger Pockets! The house was going into foreclosure. I caught the payments up and deeded the property into my name. So I am the current owner of the house and have made 2 payments over to the mortgage company “subject to” the existing mortgage. Now a letter went out to the former owners saying they are going to require proof of insurance. Now the insurance is in my name obviously. What’s tips do you have so I don’t trigger the “due on sale” (also known as the “acceleration clause”)? They provide a link that I can upload it. Just pray they see it and don’t care it’s not in the name of who is on the mortgage?

The house would appraise for around $290k. It has about $124K left on the loan. Worst case would be refinancing out what’s left. But I would love to keep the super low rate on the loan if possible! Thanks in advance!