Who Does Your Insurance Policy Cover?

Your spouse is covered. But what about that roommate?

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Your renters or homeowners insurance policy covers losses suffered by anyone living in your home and related to you by marriage, blood, or adoption. That means your children, husband, wife, parents, and so on.

But household insurance coverage isn’t always straightforward, nor are your relations to everyone in your household.

Your spouse, til’ death do you part… or not!

As long as you’re in a legally binding relationship with your significant other you should be good to go.

But 21st-century partnerships aren’t one-size-fits all.

Engaged but not yet tied the knot? Cohabitating? Consciously uncoupled but still living under the same roof? Marriage just isn’t for you?

Adding Spouse to Insurance Policy - Lemonade Blog

If you’re not officially married, or in a legally-recognized civil union, your policy will not cover your significant other by default.

But no worries—you can add them as an “additional insured” for an extra cost. If you go down this route, just keep in mind that it may be cheaper (and easier) for each of you to get your own insurance policy.

Additional Insured - Lemonade Insurance

Kids under your own roof and at college

As we mentioned before, your policy automatically covers anyone related to you by blood or adoption, and that means kids! Cut and dried, right? Well…

We all know that with kids, it’s never that easy. Even for those of us who haven’t yet had children remember all of the damage and destruction we left in our wake during our childhood. Sorry, Mom!

Basically, all you need to know is that your renters or homeowners insurance will not cover intentional damage your offspring cause to other people’s stuff (in insurance lingo, this is known as negligence).

Now, let’s talk college. We mentioned before that your policy covers any members of your household who are related to you by blood. So what does that mean for your not-so-young ones who’ve moved out of your place?

Let’s use an example:

You have a 20-year-old in college and another 25-year-old in grad school. As long as they were both living with you before going off to live on campus, your younger child is covered while the older one isn’t.

Why? Renters and homeowners insurance only cover your children away at college under the age of 24. An important condition of this whole college business is if they aren’t in school full-time (as defined by the school), they aren’t covered, regardless of age.

Other relatives

In your typical HO3 or HO4 (home or renters) policy, you’ll see that “Insured” means you and residents of your household who are:

a. Your relatives; or

b. Other people under the age of 21 in your care or in the care of a resident of your household who is your relative

What does this mean? Ideally, anyone outside of your immediate family (read: anyone other than your mom, dad, brother, sister, children, grandparents) should generally seek additional coverage. This isn’t because you feel any less close to them – to the contrary – it’s so that you’ll all have enough protection should bad things happen.

Lemonade Deeper Relationships Share Image

So if you are living with a second cousin or another distant relative, it’s probably better that you each get your own policy. If you’re living with your sister, just make sure you buy enough coverage for all of your (and her) stuff! Also, with two policies, you’ll each have your own personal liability coverage which is important when bad stuff happens.

Do roommates count as household members?

No, they don’t. Tell your roomie to get their own renters insurance policy so they’ll have enough coverage for their stuff.

Living in the city as a young adult or off campus as a student isn’t cheap. Roommates are often a great way to cut costs while still maintaining a nice lifestyle and central location.

That said, while renters insurance might cover some portion of shared items in an apartment, it won’t typically cover your roomie’s stuff. Better that you each get your own policy to make sure each of you has enough coverage for all of your stuff.

Dogs and other animal friends

Your furry BFFs are covered for liability to others at home and while out on walks – but remember, if your dog damages your own stuff, or your apartment, that’s on you.

Dog Bites Homeowners Insurance - Lemonade Blog

That said, there are two major exceptions regarding coverage when it comes to your pup.

You’re not covered if:

1. Fido has a history of biting (tracked in city or state databases)

2. Your dog is categorized as a high-risk breed

Dogs in the latter category include Pit Bulls, Staffordshire Terriers, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies, and Wolf-hybrids. We know it’s not fair for you or your dog, but regulation is regulation.

FYI: the above exceptions do not apply if the dog is certified as a Seeing Guide Dog, Hearing Dog, or is Trained to Assist the Physically Disabled.

So if your Pit Bull happens to be a Seeing Guide Dog, you’re covered (unless he has a questionable background)!

Next steps

Who your policy covers isn’t always the most straightforward thing, so we hope we helped clear things up a bit!

If you are in the process of shopping around for a renters or home insurance policy, here are a few other things we can help you with:

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of the policies issued, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states. Please note that statements about coverages, policy management, claims processes, Giveback, and customer support apply to policies underwritten by Lemonade Insurance Company or Metromile Insurance Company, a Lemonade company, sold by Lemonade Insurance Agency, LLC.  The statements do not apply to policies underwritten by other carriers.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.