u/Key_Guidance9806

My parents divorced 20 years ago after raising 3 kids. Mutual divorce. There was no cheating... no drug / alcohol addiction etc.

My mom kept the family home and he kept more of their retirement savings to even things out.

Long story short - they have kept in touch and after seeing each other at a family event a year ago have decided to move back in together. The plan is that my dad would move back into my mom's home which she owns outright for 6 months to see how things go. Majority of his things will remain in local storage unit for now until they see how it goes.

Both of my parents are retired and financially stable. There are no debts and they own everything outright including their cars etc. He will not pay her rent, but will help out where needed around the house with maintenance and upkeep... he's extremely handy. He will essentially be a roommate not paying rent. Even if they live together until the end - I don't see them going through the hassle of getting married again... they're simple people and would want to go through all the effort. They were married long enough to qualify for social security spousal death benefits etc. They have discussed this living arrangement for a year or so and now he's thinking about moving in next month.

My mom currently has a homeowners policy + umbrella on her home. She had told her agent about her divorce and being single years ago and they said they would keep her listed as married so her rates didn't increase.

My dad is very by the book. He recently called his soon to be local insurance agent (same company as my mothers.. but different agent) and they want him to get a renters policy, auto and umbrella personal liability policy.

The renters policy seems overkill because he will only have $5k max of items in the home and he would have no issues replacing them if needed.

Will a renters policy on her home address trigger anything? Will her rates go up?

I'm also worried that if she were to get tax audited down the line it could look very weird that someone has a renters policy on the home she owns and she doesn't have any rental income to show for it because my dad isn't paying her rent.

To me, I think he should just get car insurance at the address until they see if it's going to work, but he really likes the idea of having his own umbrella policy and renters insurance.

I don't know what I don't know. Is there anything this may trigger that I'm not aware of? I'm trying to look out for both of them and just want to make sure we're not missing anything. He has only spoken with his insurance agent, nothing has been signed or paid for. I have some time until he moves in and would need to get insurance.

Any insights / advice would be appreciated. Thanks!

Trying to figure out what to do.

Friends are planning a trip to Puerto Escondido in late August…group will be there Wednesday to Sunday. Will be traveling from Northeast US.

V1 plan would be to fly to Mexico by myself from say Saturday to Wednesday and then fly to Peurto Escondido and be there from Wednesday to Sunday.

V2 is just fly to Peurto Escondido with just a layover in Mexico City. Would be there alone sat to Wednesday until the group arrives.

I have traveled a lot in Europe and Asia some Africa but have only done all inclusive in Mexico before which was fune with the group. But not my typical vacation… I don’t know any Spanish. Mid 30s male. Also open to spending time somewhere else (another layover city) other than Mexico City before heading to Peurto Escondido - but I’m not seeing many direct flights there this time of year other than flights to / from Mexico City. Thanks!