Do i need to do anything

[toomuchfruit]

to protect myself financially if I'm not on the house deeds? Married for a decade with two children, mortgage free. If we were to divorce, would my name not being on the deeds affect anything ? DH won't add my name to deeds.

Has he stated why he won't do this?

I'm no expert but I think being married IS your protection. But I'd be concerned that he won't put you on the deeds. Why not? Implies that if the relationship went south he's already planning to screw you over. Which is not great, right?
Is the relationship in trouble?

You won't get a good answer on here OP. Get your paperwork together and go and see a solicitor for some advice.

Are you likely to divorce?

Your home is a joint asset regardless of who is on the mortgage..

You being married would supersede that -l found this out when my 1st husband and l split up. It would rankle at me if l wasn’t on the deeds though

The only money you are not entitled too is what he had before you got married regardless to whose name is on the deeds. I know this from my own divorce a few years ago. I owned the house outright before we got married so although both our names were on the deeds he got nothing. He did get half of my savings that I saved during our marriage which was 10k.

Were you mortgage free before you married? Why weren't you on the deeds and why won't he add you? Does he have a will? Did he legally protect the house before you married?

@Bunty55

Has he stated why he won't do this?

Just that it isn't free to do.

We are currently unlikely to divorce but I feel like lots of divorced women felt like that too so I'm just trying to protect myself financially. We bought the house with a mortgage soon after meeting but I was never on the mortgage. We both lived in rented houses before moving in together and getting the house. Thank you all so much for the advice.