[ was marry for 53 years and my husband die name not on the deed but it on the loan but it on homeowners insurance can i get the house

You have rights. You need to set up probate of the estate as your husband's next of kin and claim your dower rights to the property as part of the estate. If he was married before or had other children, that can create other issues. You want to be appointed personal representative of the estate so you can record a deed giving you full rights of ownership.   Best of luck to you.