Additional Insured

An additional insured is a person you add to your policy because they live with you.

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additional insured

An additional insured is a person you add to your insurance policy (not related to you by blood, marriage, or adoption) who lives with you, like a significant other.

Why you’d want to add an additional insured

While your policy already covers those related to you by blood, marriage, or adoption who are living in your household, there are a few cases where adding an additional insured might come in handy, like if you’re living with a partner you aren’t married to, or if you’re living with a relative who isn’t a first-degree relation.

Pro Tip: When adding your partner or relative as an additional insured, you should increase your personal property coverage to make sure there’s enough for you both.

Personal liability and adding an additional insured

More people means more liability, or a higher chance of bad things happening to those you love – things like getting sued, or having to pay medical bills or legal fees as the result of an accident.

Stuff happens (that’s life!), and you’ll want to be as prepared as possible.

When adding an additional insured to your policy, keep in mind that the default personal liability coverage, which usually starts at around $100,000, may not be enough for everyone.

To figure out how much coverage to take, think about how much of a larger monthly premium you’re willing to pay now versus what you may have to pay in the future, and choose a number that makes sense for you.

Named insured vs additional insured

These two terms can be a head scratcher when you don’t know what’s what. And guess what? People confuse them all the time.

Not to worry though, we’ll clear things up:

  • Named insured is insurance lingo for people who are covered under your home or renters insurance policy (you, your spouse, your immediate family members living with you, etc.).
  • Additional insured is anyone who isn’t initially covered by your policy, but who you’ve selected to add, and has a valid interest in your property. 

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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.