Can Jack transfer his homeowners policy to Sue without the insurer's consent?

The correct response indicates that Jack cannot transfer his homeowners policy to Sue without obtaining written consent from the insurer. Homeowners insurance policies typically contain a "transfer of rights" clause, which stipulates that the policyholder (in this case, Jack) cannot assign or transfer the policy to another party without the explicit consent of the insurance company. This requirement is in place to ensure that the insurer has control over who is covered under the policy and can assess the risk associated with the new insured party.

In instances where ownership of the property changes, such as selling a home, the new owner would need to secure a new policy rather than simply take over the existing one. This protects the insurer's interests and maintains the integrity of the policy terms.

The other choices reflect misunderstandings about how homeowners insurance works regarding transferability. For example, insurance policies are not automatically transferable (which is why the first option is incorrect), and while consent may be impossible under certain conditions, it is not entirely ruled out as suggested in the second option. The last option incorrectly assumes that becoming joint insureds allows for transfer without consent, which is not aligned with standard policy provisions. Therefore, the requirement for written consent from the insurer is essential for a legal transfer of the policy.