Lender-placed insurance, am I on the hook to pay it?

[AngelinaCatHub]

Get the personal liability because the house is still in your name. No, you are not liable to pay back the lender for it's insurance.

This is true however things are changing. Here in FL I note many empty houses have a sign posted stating locks will be changed and insurance handled. I have not investigated this but if you can force them to get your name off of the place, that would be wise. Keys for deed perhaps? 'Hub

[drowning123]

Get the personal liability because the house is still in your name. No, you are not liable to pay back the lender for it's insurance.

[laurannm]

So it is my understanding that once we vacate our house a few weeks, our insurance company will eventually drop our policy since the house will be vacant. Then at some point our lender will purchase their own policy to cover their interests, but I will still be liable if someone gets hurt on the property, etc. So if this is correct, and my mortgages were discharged and not reaffirmed as part of my Ch7 four years ago, can the lender come after me to pay for the lender-placed insurance?

Also, I found a local insurance company that is willing to write me a personal liability policy only for $500\year, after explaining my situation. There is no dwelling or personal property coverage, which I am thinking is fine since the lender will have it's own policy in place to protect against things like vanadlism, theft, etc. And I will be out of the house so I will have no personal belongings in the house that I need to insure. Am I correct in my thinking?

Thanks