Do you think it’s a cop out? Or the truth? Idk how to feel..what are your opinions..NO NEGTIVITY PLEASE!?

I’m 25 and my bf is 29 and we’ve been dating for almost 3 years and since the beginning we’ve moved really slow do to being on his terms basically. We both have our own apartments and I’m gonna be starting school in a month so I asked if I’d be able to move in in case I won’t be able to make my ends meet since I’ll be missing a day of work each week (mind you we’ve been talking for a couple of months about us moving in together). He said he didn’t care and than we started discussing him wanting to get a house towards the end of the year. He’s told me for the passed 6 months that when we get a house we’ll settle down and try for kids and all that jazz. So when he told me about getting the house, he mentioned that he wanted the house to only be in his name in case anything happened between him and I. As selfish as that sounds, he’s told me about his mom bouncing around all the time with bfs and when they split they move to apartments, than new bfs house and just back and forth, also with previous gfs he’s had issues where they split and all his stuff gets taken and he’s the one that has to move. I really understand why he wants to be the only homeowner but I don’t want to feel like I’m living under someone’s roof. I want a home with him and eventually start a family. Do you think this is an excuse because he doesn’t want me moving in? Or what? I’m lowkey hurt and reevaluating moving in with him and just our relationship altogether...