Is My Mom or Girlfriend Covered Under My Home Insurance? (2024)

FAQs

Is My Mom or Girlfriend Covered Under My Home Insurance? ›

That's a great question. Your household insurance policy (aka, your renters or homeowners policy) covers losses suffered by everyone living in your home and related to you by marriage, blood, or adoption. That means your children, husband, wife, partner, parents, etc. … you get it.

A boyfriend/girlfriend, fiancée, roommate or friend would be examples. These individual's would not automatically be covered by named insured's home policy. An endorsem*nt would need to be added to insured's home policy for these individual's belongings to be covered in an event of a loss.

Homeowners insurance doesn't cover floods, earthquakes, typical wear and tear, and damage due to insufficient maintenance. You can usually add flood and earthquake coverage to your policy for an additional fee, but wear and tear and damage from a lack of maintenance are considered preventable.

Homeowners insurance is there to protect the property and your wallet from facing serious damage after a covered incident. However, for this policy to even be effective, the policy must have the name of the current owners, whether it is yours or your children's. There is such a thing as an 'additional insured.

As we mentioned above, the owner of the policy is a 'named insured,' along with anyone else living at their place and related to them by blood, marriage, or adoption.

Is my boyfriend/girlfriend covered by my home insurance? No. Not unless you are both listed on the deed, or unless you purchase an endorsem*nt for Other Members coverage (see below). Otherwise, this person would not have property coverage or personal liability coverage.

Many insurance companies offer domestic partner health insurance. Couples do not necessarily have to be married to receive the same or similar health insurance benefits as married couples. If you qualify for a domestic partnership, your partner can be on your plan with spousal benefits as if you are married.

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Explanation: An individual under age 21 in the care of but not related to the insured would NOT be considered an insured under a homeowners policy. The insured in a homeowners policy usually refers to the homeowner or policyholder, their spouse, and any blood relatives residing in the household.

Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.

What should you not say to homeowners insurance? ›

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

Before choosing to exclude a driver from your insurance policy, talk to your insurance agent about your specific situation. In general, everyone that is 14 years and older who resides within your household should be listed on your policy, regardless of whether or not they have a driver's license.

Deeds and Title Ownership

Whether the deed and/or mortgage are in one spouse's name or both, it does not affect the property's classification as marital or separate. What matters most is when and how the property was acquired.

High-Risk Location

It could be that your home is located in a neighborhood that experiences a lot of crime. If so, an insurance company will be wary of the fact that you may incur property damage from vandalism or theft. If you live too far away from a fire station or fire hydrant, that could also disqualify you.

The insurance covers your own possessions and those of close family members living with you. It may not cover the possessions of anyone staying with you temporarily.

If a house or car is jointly owned, both people may be listed as a named insured. If your spouse resides in the home, he or she is automatically covered under your homeowners and auto policy, even if he or she is not identified in the policy.

If you and your significant other own enough personal property together to cover in two separate renters insurance policies, getting a joint policy can be a good idea. Otherwise, the decreased individual coverage and difficulties that can arise after a breakup really don't make it a worthwhile choice.

Whether you're moving in with a romantic partner or a friend or roommate, your own insurance policy (renters insurance) will provide coverage for your property and belongings in the event of a disaster, a theft, a fire, or another unfortunate incident. This goes for liability coverage as well.