Home Insurance For People Who Live Together

Not many people in Aurora, CO have taken the time to read their entire homeowners’ insurance policy from front to back. Although they really should because there could be some interesting exclusions which they may not be aware of until something happens. Talk to your agent at All-Star Insurance Brokers Inc to find out about the coverage included in your policy.

One important exclusion to watch for is in relation to additional members of the household, such as a boyfriend or girlfriend, a roommate, a friend, or anyone else living in your home that you are not related to by blood or law. These people are classified as "other members" of the household on your home insurance policy. Unless you specifically adjust your policy, they may not be covered for liability or property damage claims.

Who Is Covered by Home Insurance?

You as well as any member of your household that you are related to by adoption, blood, or marriage are covered by your homeowners’ insurance policy. In addition, any minors in your full-time care, such as foster children, are also covered. These are the people in your household who will automatically be covered for personal belongings in the event of a catastrophic event such as burglary, burst pipe, or fire. They are also covered in the personal liability portion of the policy.

Unmarried couples whose names both appear on the deed are now typically covered without the need for an "other members" endorsement. However, it is always a good idea to check with your insurance provider to make sure this is the case with your specific policy.

Adult children and senior parents living in your household are also covered under your home insurance policy. This is because they are related to you by blood. Boyfriends, girlfriends, roommates and unmarried couples who are not both included in the deed will need to purchase an endorsement for "other members" coverage.

If you are not certain that all of the members of your Aurora, CO household are covered by your home insurance policy, contact All-Star Insurance Brokers Inc today. We will be happy to answer any questions that you have.