Home Ownership Tips for People Who Aren’t Married

Buying a home is a significant decision with many responsibilities and financial obligations. While it’s common for married couples to buy a home together, it’s not the only way to do it. If you’re not married and considering to buy a home with your partner, there are some important things to consider. Here are some valuable tips if you plan on buying a home but aren’t married.


Determine Ownership Rights

When purchasing a home with a partner, it’s crucial to determine ownership rights. Will both partners own the property equally or will one partner own a larger share? You’ll need to decide on how to hold the title, whether as joint tenants with rights of survivorship or tenants in common. These decisions can have significant implications on the rights and obligations of each partner. To ensure both of you are on the same page, consult with a real estate attorney to help you understand the legal aspects.

Create a Co-Ownership Agreement

A co-ownership agreement is a legal contract that outlines the rights and responsibilities of each partner in the home. It can include provisions for handling mortgage payments, property taxes, repairs, and other expenses. The agreement can also determine what happens if one partner wants to sell their share of the property. A co-ownership agreement can help avoid disputes down the road and provide clarity on each partner’s obligations. An experienced real estate attorney can draft this agreement for you.

Plan for Unexpected Events

Life is full of unexpected career, health, and many other sudden changes. Planning for these events is essential, especially if you’re not married. You should consider getting life insurance, disability insurance, or critical illness insurance to protect each other financially. You can also create a will to ensure that your share of the property goes to your intended beneficiary.


Owning a home can be a fantastic investment, whether you’re married or not. However, it’s essential to plan carefully. Contact Riley & Gutman to have an experienced real estate attorney help you sort out the legal details so you can focus on building your life together.