right of habitation, paying homeowners ins.

Disabled young man has Right of Habitation of grandmothers house (Louisiana). Mother was a 1/4th owner until her death in Dec. 2013. She left her 1/4th to her siblings. He pays homeowners insurance but uncle just put himself on policy as loss payee. Since the grandson is not an owner, why should he pay homeowners on a house that is not his but is mandated to keep up repairs to the house, but the Uncle would get the payout if a claim was made!