Hello everyone I care for my mother who has mild to moderate dementia. I have found myself taking over more and more responsibilities (while also trying to hold a full time job!), and I have a couple of questions regarding house insurance. My mum owns the house that we both live in. Am I able to purchase the insurance, in my name, or would it have to be in hers? In the past on her previous insurance forms, she has answered yes to the house being in a good state of repair. These days though, I can see small patches of what I think is damp/ mould on a part of the wall in the hall. There's also a tiny hole in the hall ceiling where on very rare occasions the rain leaks through. There are also one or two other issues with the house e.g. ghosting on one side of a ceiling bedroom. My question is then, how would you define a good state of repair? Will the house not being in a good state of repair automatically disqualify my mum from getting any insurance? Apologies if this seems like a silly question. I'm pretty new to being a carer and am very much learning 'on the job'!