<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:"Bradley Hand ITC";
panose-1:3 7 4 2 5 3 2 3 2 3;}
@font-face
{font-family:"Calisto MT";
panose-1:2 4 6 3 5 5 5 3 3 4;}
@font-face
{font-family:"Baskerville Old Face";
panose-1:2 2 6 2 8 5 5 2 3 3;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p
{mso-style-priority:99;
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
span.EmailStyle18
{mso-style-type:personal-reply;
font-family:"Times New Roman",serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri",sans-serif;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:11.0pt">Yes, but the trustee is an entity.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Baskerville Old Face",serif">Mark<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Bradley Hand ITC""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Bradley Hand ITC";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:11.0pt;font-family:"Bradley Hand ITC";color:#1F497D"><o:p> </o:p></span></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="629" style="width:6.55in;margin-left:14.0pt;border-collapse:collapse">
<tbody>
<tr>
<td width="161" valign="top" style="width:120.6pt;border:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.0pt;font-family:"Bradley Hand ITC";color:#1F497D">Ohana Fiduciary Corp.<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:10.0pt;font-family:"Bradley Hand ITC";color:#1F497D">Ohana Financial Services<o:p></o:p></span></p>
</td>
<td width="468" valign="top" style="width:351.0pt;border:solid windowtext 1.0pt;border-left:none;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-family:"Bradley Hand ITC";color:#1F497D">Mark C. Vohr, J.D., CPG, Principal<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-family:"Bradley Hand ITC";color:#1F497D">PO Box 33710 Seattle, WA 98133<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-family:"Bradley Hand ITC";color:#1F497D">T: (206) 782-1189 F: (206) 782-1434<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-family:"Calisto MT",serif;color:#1F497D"><a href="mailto:mcv@ohanafc.com"><span style="font-family:"Calibri",sans-serif;color:#0563C1">mcv@ohanafc.com</span></a></span><span style="font-family:"Calibri",sans-serif;color:#1F497D">
</span><span style="font-family:"Calisto MT",serif;color:#1F497D"><a href="http://www.ohanafc.com/"><span style="font-family:"Calibri",sans-serif;color:#0563C1">www.ohanafc.com</span></a></span><span style="font-family:"Bradley Hand ITC";color:#1F497D"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:11.0pt;font-family:"Bradley Hand ITC";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Teunis J. Wyers<br>
<b>Sent:</b> Thursday, May 11, 2017 12:00 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] Insurance on Property In Trust<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal">Actually, the assets of a living trust should be held in the names of persons, such as "John and Jane Doe, Trustees of the Doe Family Living Trust".<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal">On Thu, May 11, 2017 at 11:12 AM, Richard Holland <<a href="mailto:rich@pnwle.com" target="_blank">rich@pnwle.com</a>> wrote:<o:p></o:p></p>
<blockquote style="border:none;border-left:solid #CCCCCC 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-right:0in">
<div>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Not a trust attorney by any means nor an insurance attorney – so basically my input is just about worthless – but logically couldn’t the named insured assign the proceeds to the
trust in some memorialized manner? <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Thanks,<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Rich Holland<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><a href="mailto:rich@pnwle.com" target="_blank">rich@pnwle.com</a><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt">603 4th Avenue, Suite 100
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt">Kirkland, WA 98033
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt"><a href="tel:(877)%20785-8734" target="_blank">877.785.8734</a> /
<a href="tel:(866)%20982-5080" target="_blank">866.982.5080</a> (fax)</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt">BE AWARE! Online banking fraud is on the rise. If you receive an email containing a change in WIRE TRANSFER INSTRUCTIONS call our office immediately
to verify the information prior to sending funds.** WE DO NOT CHANGE OUR WIRE INSTRUCTIONS**</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">The information contained in this communication, and in any attached document(s), is privileged and/or confidential, intended solely for the individual/entity
to whom/which it was sent. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this information is strictly prohibited. If you have received this email in error, please notify me immediately
at the email address, mailing address, or telephone or fax number above.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b>
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Mark Vohr<br>
<b>Sent:</b> Thursday, May 11, 2017 10:25 AM<br>
<b>To:</b> <a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a><br>
<b>Subject:</b> [WSBARP] Insurance on Property In Trust<o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Question: We are trying to determine how to best obtain homeowners insurance for property in a trust. We are being told the policy has to be issued in the name of a person. The
problem is that if there is a claim, the named person gets the payout – who is not the owner, which I can see as creating a problem for the trustee.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Any input would be greatly appreciated.
<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:14.0pt;font-family:"Baskerville Old Face",serif">Mark</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Bradley Hand ITC""> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Bradley Hand ITC""> </span><o:p></o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="margin-left:8.6pt;border-collapse:collapse">
<tbody>
<tr>
<td width="174" valign="top" style="width:130.5pt;border:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Bradley Hand ITC"">Ohana Fiduciary Corp.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:"Bradley Hand ITC"">Ohana Financial Services</span><o:p></o:p></p>
</td>
<td width="720" valign="top" style="width:7.5in;border:solid windowtext 1.0pt;border-left:none;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Bradley Hand ITC"">Mark C. Vohr, J.D., CPG, Principal</span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Bradley Hand ITC"">PO Box 33710 Seattle, WA 98133</span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Bradley Hand ITC"">T: <a href="tel:(206)%20782-1189" target="_blank">
(206) 782-1189</a> F: <a href="tel:(206)%20782-1434" target="_blank">(206) 782-1434</a></span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Calisto MT",serif"><a href="mailto:mcv@ohanafc.com" target="_blank"><span style="font-family:"Calibri",sans-serif">mcv@ohanafc.com</span></a></span>
<span style="font-family:"Calisto MT",serif"><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ohanafc.com_&d=DQMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=K1mLMC1eFjwfeeMM-AC6zQ&m=Ib_b9seP0MgbnqsUgnVd_1nAtONW9t5Lrjm5uuQnSNI&s=ffgk3rMdqEqa2d-xZFh2JZ-548ufvn7mYxInvqWZTks&e=" target="_blank"><span style="font-family:"Calibri",sans-serif">www.ohanafc.com</span></a></span><o:p></o:p></p>
</td>
</tr>
<tr>
<td width="894" colspan="2" valign="top" style="width:670.5pt;border:solid windowtext 1.0pt;border-top:none;padding:0in 5.4pt 0in 5.4pt">
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt">CONFIDENTIAL AND/OR PRIVILEGED COMMUNICATION</span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt">This communication may contain information that is confidential. It was intended only for the named or a specific recipient. If you have received this communication in error. Please delete it immediately and contact the sender
to advise them of improper delivery.</span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt">This communication is not intended to provide legal advice to the recipient. The sender does not represent you as legal counsel and neither this communication or any conversations you may have with the sender creates an attorney
client relationship with the sender. If you seek legal advice, you should consult separate legal counsel.</span><o:p></o:p></p>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-size:10.0pt;font-family:"Bradley Hand ITC""> </span><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal" align="center" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center">
<span style="font-family:"Bradley Hand ITC""> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
</div>
</div>
</div>
</div>
<p class="MsoNormal"><br>
_______________________________________________<br>
WSBARP mailing list<br>
<a href="mailto:WSBARP@lists.wsbarppt.com">WSBARP@lists.wsbarppt.com</a><br>
<a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__mailman.fsr.com_mailman_listinfo_wsbarp&d=DQMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=K1mLMC1eFjwfeeMM-AC6zQ&m=Ib_b9seP0MgbnqsUgnVd_1nAtONW9t5Lrjm5uuQnSNI&s=OR6YzrvfJ-k_jCHe82B3zSzln9dZ9jRxA5P8WxivUP0&e=" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></p>
</blockquote>
</div>
<p class="MsoNormal"><br>
<br clear="all">
<o:p></o:p></p>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<p class="MsoNormal">-- <o:p></o:p></p>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">Teunis J. Wyers @ Wyers|Wyers, Attorneys<o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-size:9.5pt">Oregon Office:</span><o:p></o:p></p>
<div>
<p class="MsoNormal"> 216 Columbia St. - P.O. Box 917<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"> Hood River, OR 97031<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"> (541)386-2210/610-1520 (fax)<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal">Washington Office:<o:p></o:p></p>
<div>
<p class="MsoNormal"> 218 E. Steuben St. - P. O. Box 421<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"> Bingen, WA 98605<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"> (509) 493-2772/493-2406 (fax)<o:p></o:p></p>
</div>
<div>
<p class="MsoNormal">Email: <a href="mailto:teunisj@wyerslawpc.com" target="_blank">teunisj@wyerslawpc.com</a><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal">Web: <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.wyerslawpc.com&d=DQMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=K1mLMC1eFjwfeeMM-AC6zQ&m=Ib_b9seP0MgbnqsUgnVd_1nAtONW9t5Lrjm5uuQnSNI&s=pgRA9hvL3q8Sm4GG2V8z7N76Dx3bQdsgGokMc2PssJs&e=" target="_blank">www.wyerslawpc.com</a><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<div>
<p style="background-image:initial;background-repeat:initial"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">NOTICE: This email (including any attachments) is covered by the Electronic Communications Privacy Act (EPCA), 18 U.S.C.,
Sec. 2510 - 2522, is confidential and privileged. This email is solely for the personal and confidential use of the recipient(s) named above. Receipt by anyone other than the individual recipient(s) is NOT a waiver of attorney-client privilege. Any violation
of the ECPA is subject to the penalties stated therein. If you have received this message in error, please notify me immediately by reply e-mail and immediately delete the original message.</span><span style="font-size:9.5pt"><o:p></o:p></span></p>
<p><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><span style="font-size:9.5pt;color:#500050"><o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</body>
</html>