One definition of separate property, contained in Virginia statute 20-107.3(A)(1), is property acquired by either party before the marriage. The house is his. Unless there was consideration for the "verbal agreement," he had no legal obligation to add your name to the deed.
Generally, assets acquired during the marriage, including increases to retirement plans, etc., are marital assets, unless it is derived in exchange for, or from the proceeds of, separate property. The definition of marital property is contained in Virginia statute 20-107.3(A)(2).
You have interest in marital assets and marital debt only. If your husband were to die without a will, you may gain an interest in his separate property through the laws of intestacy. If you divorce, or if he sells the house, you would have no interest in the proceeds.
Answered on Dec 04th, 2020 at 7:56 AM