“I live in a state where auto insurance is not required if there is no lien holder. There are three adults that own our home. If one chooses not to have insurance and has an accident and is sued, are we all liable in our home or just the person responsible? All three again are owners of this home and appear on the deed and mortgage paperwork.”
Some aspect of this will be highly dependent upon in what state you live, and what their specific laws are with respect to tort law, insurance, and auto law. Typically when someone has a case against an uninsured motorist they go after the homeowners insurance. If it were me, I’d require all of the co-owners to demonstrate proof of auto insurance, or of their own additional homeowner’s policy.