Does My Home Insurance Cover Non-relatives Living in My House?

Insurance companies are a complicated part of our society. They provide us with protection in a disaster or emergency, such as a fire or car crash. They also make a profit, which means they are not charities. This often leaves people confused as to which situations are covered by their home insurance and which situations aren’t.

At Freedom Insurance Agency of Mesa, AZ, we understand that a household isn’t always a nuclear family. Especially in today’s world, where many people live with roommates, friends, or romantic partners, it’s essential to understand the details of your insurance policy.

Who is covered by your policy?

As a general rule, home insurance covers yourself and members of your household with whom you have an "insurable interest." "Insurable interest" is a term that refers to someone who would be directly financially affected by something happening in your life.

Insurance companies typically cover:

  • You
  • Your spouse
  • Relatives living in your home
  • Any person under 21 who is in your custody, such as foster children

Non-relatives are typically not covered by home insurance, even if they live with you. However, there are a few things you can do.

How to Ensure A Non-Relative Has Home Insurance Coverage

  • Your policy likely has a section where you can add the person as a "Named Insured." This would give that person a similar designation as you on the policy. This is also known as "joint insurance."
  • If you want to ensure a person but not give them equal control of the policy, you can consider adding an "Other persons in the household" endorsement. This would treat that person the same as a relative listed on the policy.
  • Your non-relative could purchase their policy if they want their insurance. If you rent a space in your home, they could qualify for renter’s insurance.

Give Us A Call

If you’re a Mesa, AZ homeowner interested in learning more about your home insurance, please contact Freedom Insurance Agency today!