 um the juice ain't worth the squeeze that's what they say yeah and oh by the way if you do change the insurance into your name as if you're an owner you have to notify the mortgage company because they want proof of insurance and when you notify them that that happened that's going to indicate that there's been a transfer and the due on sale clause is going to be activated and they're going to call the mortgage so that's how i know you didn't do the insurance because they would have already started a foreclosure on your butt