It's up to you, but, I've had a bad experience with people being added to the deed.
It started out when my parents, my sister, and I moved just before I was going into the second grade. My parents didn't like much where we lived before, so we went about 15 miles away, and I was going to get to go to a better school district. We moved into an older brick house, smaller but 2 story and it was on 5 acres of woods and only about 4 minutes from school/town.
My father's parents were getting older and we were the closest family. We had the 5 acres of land (woods) and we were going to split the back off and have them put a modular there, so we could be close and take care of them. Well, we didn't have enough frontage on the street to build back there and the a$$hats on the zoning board wouldn't give a variance because of politics.
So we ended up adding on to our house with a huge great room (kitchen/living/dining room with cathedral ceilings, surround sound built into the ceiling etc...), and building a huge garage (you could fit 7 cars inside), and they added on to that, and we had craeted a huge L shaped duplex connected by the huge garage. One stipluation that was made very clear, and paperwork was signed over it, was that when my fathers parents died, that my dad would not have to sell the house or any property. Their half of the house would become my fathers property, along with our house and the land that we owned anyways. This was in case my grandparents decided to give equal thirds to my father, and his two sisters. They could take anything and everything, other than the house.
Well, my fathers parents names were added to the property deed in case something were to happen to my parents. This went all fine and dandy until one year mom mother opens the property tax bill and finds the name of my fathers parents trust on it instead of theirs. They immediately confronted my fathers parents about it, and he said they could talk to his lawyer. My dad's father is very experienced with the courts, real estate, and lawyers, since at one time aside from being a minister (which I find IRONIC since he's the biggest piece of $H1T I've ever met), he was a full time landlord and owned 46 properties. Somehow he manipulated some paperwork, and signed for my father (They have the same name), and transferred ownership of the property to their trust.
They wouldn't speak about it, and he kept deferring my father to his lawyer. They wouldn't provide very many papers outlining the trust either. Also, the paperwork that he did provide, was blacked out in many areas as you would see on TV shows with government documents where they have areas blacked out. From what my father and his lawyer could tell, the trust said that 1/3 would go to one sister, 1/3 would go to another sister, and the last 1/3 of their estate would go to a church. Nothing to my parents. BASTARD.
Well, as you could imagine, my father did everything he could to figure out exactly what was done, and what could be done legally to fix it. My father is a landlord on the side as well so he does have some experience with this type of thing. He appealed to our local state representative, and he agreed to have his legal team look at the documents and the situation and see what could be done for free. Nothing legally could be done to fix the situation, and whatever my father's dad got away with, he got away with is basically what we were told.
Now, in my father's eyes there were 2 options. One would be to start a lawsuit, which would cost an enormous amount of money, stress on the family in which my mother is already sensitive, and I was still in high school with my sister just starting college, OR option two would be to leave.
He chose to leave, deciding that would be the best option to spare our family the hardship and stresses of a lawsuit with our neghbors, which are also our father's parents. What he basically did, was told his dad that he could either take over payments on his mortgauge and pay my father the equity he had in the house, or my father would let the bank take the house, either way we were leaving. He chose to take over payments and refused to pay any equity to my father.
This whole deal happened in about a week, along with my parents finding a new house and buying it. I was at band camp. Before I left is when they found out about the property taxes, and all I knew when I left what that there was some sort of mistake. The night I got back from band camp, they took me to "look at a house with them". Once I said that I guess if I had to live in it I would (it was 2 bedroom, about 1/2 or less the sq. footage of our previous place, and I'd have to live in the basement for the duration of my Sr. year in high school, after my room at the other house, the last one in the old part of the house to get redone was finished. Also, I had my girlfriend at the time who was an artist airbrush the mountain dew logo on one entire wall in my room, it was sweet. I miss it. I'm sure it's painted over now.) Then they told me that they had already bought it.
The end of that week, we moved completely out, gone in one day. I hand't even packed.
Anyways, sorry, got a little off topic.
The way I see it is YOU bought the house. BEFORE you were married. I know that it's your wife, and you want to trust her, but from what I can find in 2005 the marriage rate was approx 7.5 per 1000 people. The divorce rate was approx 3.6 per 1000 people. So, roughly that's about one divorce per every 2 marriages. You never know. As far as what I can see, the house is yours, and if she's helping pay for it while she's living there with you, that's like her rent. It may be a harsh way of thinking about it, but you gotta protect yourself. If she trusts you, she shouldn't worry about it. It shouldn't be that big of a deal that she's not on there. If she's making it a big deal, I dunno.
Is your name on her car? Please tell me her name isn't on your bike.
If something happens to you, and it's only in your name, your parents are covered for what you owe them, and she'll get the rest anyways, so either way it plays out the same, except if you keep her name off, you're protected.
