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How is a Young Adult Child Covered When he is Moving in and out of my House?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/18/2012

Covering a young adult moving in and out of the house can cause both the parent and the insurance company to pull their hair out.

Let me start off by saying that this question really, really, really needs to be answered by your insurance company. This is a complicated question and each insurance company can have a different policy in regards to this situation.

Now, let’s break this down into the 3 main scenarios that happen in this case and what I would tell the clients of the insurance companies that I worked for:

1. If the young adult is living under your roof and driving your vehicles, they have to be on your insurance policy.

2. If the young adult is no longer living with you and has their own vehicle, they have to have their own insurance policy.

3. Lastly (and this is the one that gets everyone), if the young adult is temporarily away at school they should remain on your insurance policy. This will keep them covered for when they come home on vacations and want to drive your vehicle. It will also provide coverage if they are hit by a car while they are walking (if you have that coverage) or if they drive another person’s vehicle.

If you have already taken them off and the student is coming home for a vacation, you need to call you insurance agent to find out if you need to add them for the short period they will be home.


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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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