My husband and I have been married since 2009. He won’t put me on the deed to our condo. What happens to me if he dies, or we divorce?

Dear Quentin,

My husband and I have been married since 2009. We don’t have any children, and there are no previous marriages. I have asked him if I need to be added to the deed of our home, but he just states that if he dies, I will immediately get everything.

We don’t have a will or living will. We have life insurance through his employer. Should I be added to the deed on our condo? I want to ensure that I would be able to keep the home if something should happen to him, or if we divorce.

We…