Please find attached the form at the HCAD to do this yourself. You will need to attach evidence- copy of the deed or a closing statement, but this will get it done..
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Real Estate Broker
The consequences of doing this wrong included not being able to sell or even refinance without the express written permission of the other owner. Make sure it's done right.
You can go to http://www.hcad.org, under forms select the appropriate form for adding a name, fill it out and mail it with a copy of the deed. You can also drop off the form at the Harris appraisal district if you don't want to mail it. It can take up to 30 days for the change to take place.
If you have inherited the property and the will has been probated, it is easier to hand carry that probated will into Harris County Appraisal District's office to finalize the addition of your name. They will be able to see the probated will on the County records.
I am assuming you are referring to homeowners insurance. Homeowners insurance is available to owners at a better annual rate than non-homeowners insurance.
I suggest you talk with a real estate attorney or with a title company to get the records on the property as you want them. Adding a name should be fairly simply, but there will be a fee for the service. Also be aware there could be tax ramifications for the property owners.
Check it out carefully!
Wishing you success,