Who Is Covered by Your Homeowners Insurance? Understanding the Ins and Outs

Covered's Helpful Guide to Homeowners Insurance Coverage

Curious about who's covered by your homeowners insurance policy? While many articles focus on what's covered, the question of who is often overlooked. Let's shed light on this essential aspect to ensure you, your loved ones, and even your furry friends are protected.

Who's Protected under Your Homeowners Insurance?

- You and your spouse, living in the same household.

- Additional family members, such as kids, parents, cousins, and more.

- Individuals under 21 in your care or a relative's care.

- Full-time students under 24 or 21, residing with you before moving for studies.

- Nonresidents entrusted with pet or property care while at your insured property.

Who's Not Automatically Covered?

- Roommates, significant others, and tenants.

- Visitors, employees, or contractors working on your property.

How to Expand Coverage

To include roommates, significant others, or others not automatically covered, consider adding endorsements like:

1. Other Members of Your Household: Adds coverage for personal property, liability, and more.
2. Additional Insured - Student Living Away: Covers personal property and liability.
3. Assisted Living Care Coverage: Protects personal property and liability for those in assisted-living facilities.
4. Additional Insured - Residential Premises: Enhances liability for the named individual.

Special Cases: Employees, Contractors, and Renters

- Insurance needs for employees may vary by state; contractors should have proper coverage.

- For tenants or renters, explore options like landlord policies or requiring renter's insurance.

At Covered, our goal is to simplify insurance and provide the peace of mind you deserve. Contact our experts for a complimentary policy review to ensure you and your loved ones are fully covered. Reach out to us at (833) 487-2683.

With Covered, understanding and obtaining insurance coverage is a breeze. We've got you covered, because at the end of the day, protection and peace of mind are what truly matter. It's that simple. We're Covered. And so are you.