Hi, thank you for your question. Please confirm:
-Does your husband have a will?
-Do you have children together?
-Did you divorce when you separated?
My name is ***** ***** i have been a solicitor for more than 30 years.
Since you resumed living with your husband after the early separation you have matrimonial home rights in the property which you can register using an HR1 available here
In the event of your husband's death if he has not made a Will then you will inherit the first £250,000 of the estate in any event - and if he has made a Will that excludes you then you will be able to make a claim against the Estate for a share of the assets
In the event of a divorce you will still be entitled to a share of the equity - the amount will depend on how long you have lived together since the reconciliation
I hope that this is of assistance - please ask if you need further details
You have no need to do anything to protect your position financially - but t would be sensible to address the issue of the Will, and also to discuss you being added to the Title deeds (and the mortgage) to ensure that in the event of his death dealing with the estate would be easier