Homeowners insurance for a rental property in a trust

[Kim Livingstone]

My mom's home was a 4 unit building, she lived in one apartment and rented the other three. She passed away and left the building, our family home, to me and my 2 siblings via a family land trust. The current home owners insurance company notified me that they need to remove her name and put someone's name in her place. They are unable to name the land trust as the insured. My one sibling currently resides in one unit and the insurance company suggests naming him on the policy and adding me and my sibling as additionally insured. Is this the route to go? What type of property insurance will protect both the property and my siblings should something happen to a renter, guest, general public or if we are sued? Please advise.