To get Homeowners insurance on a home you have to have the home in your name which means that your name needs to be on the deed to have an insurable interest in the home.
If your name is not on the Homes Deed and something happens to the home then the Homeowners Insurance policy will not pay out the claim to you.
The Homeowners Insurance will pay out to the person who's name is on the deed.
Now an exception is that if you have a mortgage on a home then the bank will require you to have Homeowners Insurance and list the bank as a Trustee etc on the Homeowners Insurance policy.
So if you have a mortgage you can get a Homeowners Insurance Policy on the home but if the home isn't under a mortgage and you don't own the home then you cannot get Homeowners Insurance.