Can unmarried couples be listed on a homeowner's insurance policy together?

Can my boyfriend and I be listed on the homeowner's policy together even though we aren't married? We have finally saved enough for a downpayment and just started shopping for our first home. Since we are both making the payments, both of our names will be listed on the deed and mortgage. I am not sure if we can be listed the same way on the homeowners' insurance.

Answer
“Whoever is listed as the homeowner should also be listed as the owner of the home insurance policy.
Policy owners have the right to make:
  • changes
  • payments
  • cancellations
Since it sounds like you and your boyfriend are in it together, this would be the best option. If only one of you is named, then only that person has the right to make any changes.
Being listed together also means that all of the personal property for both of you is covered.
Not all insurance companies have caught up with the changing times; if someone not related to the policyholder submits a claim, it may cause a coverage dispute down the line.
One thing to keep in mind is if at any point you and your boyfriend decide to go your separate ways, make sure to update the home policy. At that point, only the remaining owner should be listed. The amount of personal property to insure may be much less, so it will lower the cost of your policy.
Any time you have life changes is a great time to re-shop both your home and auto insurance policies. By bundling both your auto and home insurance together, you can save on both policies with a multi-line discount.
Using free Jerry app will help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.”
avatar
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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