Can I be listed on a homeowner's insurance policy if I don't own the home?

Should I be added to my parents' homeowner's policy? I am 35 years old and have had to move back in with them. I need to make sure all of my stuff is covered, but I am not listed on the deed to the home.

Answer
“You are not alone; many adults have had to move back home with mom and dad due to the economy. Thankfully, all of your belongings will be covered under their homeowner’s Insurance policy.
Since you are not the homeowner, you will not be listed as a named insured on the insurance policy. That said, it is common for the insurance coverage to extend to any family member that resides in the household.
Every insurance company is different; some apply the coverage automatically and others only to members that are listed as residents on the declarations page. Have your parents check with their insurance agent to see if your name needs to be updated on the policy.
To ensure that your personal property is adequately covered, your parents may need to increase the personal property coverage on their policy for things like:
  • electronics
  • furniture
  • jewelry
Another excellent way to save money is to see if you can add your car to your parent’s Car insurance policy. If so, the whole family will benefit from receiving the multi-car discount.
If you and your family want to look for ways to save, try the free Jerry app. It gathers rates from the top 50 companies and delivers them to your phone in under a minute, helping you save time and money.”
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Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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