Insurance and Trusts

[Maureen Rhodin]

I've read a few articles that caused me concern about our insurance policies. Both my parents have passed away and I am the Trustee for the estate. Current insurance listed my parents as insured and had no mention of the trust, even though the the properties are held in trust. I managed to get them to add the Trustees and Trust as additional insured.

If the insurance is in the name of the Trust and I, as a Trustee, am named as additional insured, what happens if the house burns down? The building would be covered as the named insured, but what about my personal property?

There seems to be an important distinction of a Trust not being a "who," and that affects personal property and liability claims. A trust isn't a "who", so if someone sues me for something that happens on the property, would I be covered? What about the umbrella policy? 

Should I direct these questions to an insurance broker or a trust attorney? What if they have different answers?

Would appreciate any education provided

Thank you