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COVERAGE GAP: UNRELATED PERSONS IN HOUSEHOLD

 

From the current homeowners policy: In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the spouse of a resident of the same household. "We," "us" and "our" refer to the Company providing the insurance.

 

The ISO Personal Auto policy has the same language, with one interesting additional requirement:  You better not only be married, but you better still be living together.

 

Who else may be living in an insured's household today that the standard form's language has left on the coverage curb?  Here are a few examples:

  • A resident non-spouse "significant other"
  • Resident children of the "significant other"
  • Non-resident spouses and relatives
  • Non-relative residents
  • Relatives of a former spouse who no longer lives with you
  • A former spouse who is still a resident

 

Two Key Homeowner Possibilities:

  • "Other Members of your Household" endorsement is available with some carriers.  The endorsement for a small charge will extend coverage to a member of your household who is not an "insured", guest, residence employee, tenant, roomer or boarder.  Such coverage is afforded for property and liability.
  • The insurance carrier at their discretion may add this person as a Named Insured, but carriers do not like to do this.  Contact your agent for discussion.

Our Location

BK Insurance & Financial Services, Inc.

303 N Chestnut St
Ravenna, OH 44266
Main office: 330-236-0625
Fax: 330-296-8887

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.