Dependents, such as children, are included in an insurance policy’s definition of an insured. The spouse of the named insured is also included.
If you are unsure whether a family member is included in your policy’s definition of an insured, your best bet is to inquire with the insurance company.
You can talk to your agent or broker about your particular circumstances and make sure you have the coverage you need.
Old buddies or flat mates might live respectively where just a single individual has an insurance contract. Because roommates do not fall under the definition of the insured, they are not covered by an insurance policy unless they are named on it.
As a result, if your friend owns a house and you live in it or if you share an apartment with them and you are not a named insured on their insurance policy for personal belongings, you will not be covered for your possessions. To be covered by their policy, you would need a renter’s policy, or you could ask to be added as a named insured.
Your contents, renters, or home insurance policy may not cover the personal property of a roommate, but it may cover the personal property of others while in your care.
