Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Homeowners Insurance PolicyYou want to be clear about who is covered by your homeowners policy. Confusion is common in this arena. The easiest way to clear this up is to use a guideline: all parts of the homeowners policy are designed to protect your interest in your home. What does that mean?

The home, your loan, and your financial well-being could be at risk if you invest in a home without insurance protection. If a fire burns down your home and all your possessions, do you have the money to rebuild, keep making mortgage payments, and replace all of your personal belongings out of your own pocket?

Most homeowners can’t survive this kind of disaster. Home insurance bridges the gap between the risk of this happening and what it costs to recover from the problem. If you would like to compare free quotes for home insurance from many different home insurance providers then just enter your zip above to start comparing free insurance quotes!

Legal Definitions

When it comes to determining who is included in your policy legal definitions are important. Start with individuals who are legal residents in your home. This distinction is important when dealing with children and elderly parents. When an adult homeowner is the legal guardian for another person who also lives in the home, coverage is clear: this person’s belongings and liability are included in the policy.

Children under shared custody may not be included on the coverage. For example, a parent with shared custody whose children visit her or his home on weekends, is not guaranteed that these children are covered individuals on the property.

In fact, in some states these children are actually considered guests in the eyes of the law. A qualified insurance professional can help you determine when you’re covered and when your not. Your relationship with another person specifically determines the coverage.

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Common Scenarios

Say for example say a teenager, for whom you have primary custody trips, falls, and breaks an arm on the property. This accident is not related to your investment or interest in the property. The broken arm would be claimed on his or her health insurance.

Another common situation is when someone who is single reaches the point of making a commitment with a romantic partner. Until that partner is listed on the deed for the home, so they have an interest in the property, their status is not the same as yours. Basically, this person has the same status as a renter.

Marriage obviously changes the financial and legal interest a romantic partner has in the property. Purchasing a home together is the other action that changes the situation. You want to be aware of these changes and what they mean for who is covered on your homeowners policy as your life and relationships evolve.

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Pets & Home Insurance

What about pets? Your pet’s behavior is under the liability coverage of your homeowners policy. You may have noticed that some insurance companies exclude coverage for some specific dog breeds like German Shepherds, Pit Bulls, and Rottweilers. This is because your pets are covered. Some breeds are excluded because professional mathematics (actuary tables) demonstrate these breeds bite more often and cause more claims against homeowners.

Just like a child or person who is a legal resident of your home, pets are not covered for injuries or illness. In this case, a pet is included because your financial ability to maintain your home might be threatened if a lawsuit results. Of course, it can be difficult to get and keep homeowners insurance if a pet is consistently a problem. You are legally responsible for teaching them to be well-behaved and safe to others in your home and on your property.

Elderly Parents

Sometimes an elderly parent moves into your home because they need care and attention. There are many changes at work today that make this a complicated matter for coverage and homeowners insurance. If payments for rent, food, or care-giving occur, the layers of legal and insurance advice are complex.

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Personal vs Business

Receiving money for services, including rent and care, moves the relationship from just personal to a type of professional relationship. Receiving money for services increases your responsibility to protect yourself in the eyes of insurance law. And your highest responsibility to another person is when someone pays you for services. Someone who pays you for goods or services earns the right to expect the highest level of safety; your job is to provide it.

What happens when this kind of relationship occurs with someone who lives in your home? There is confusion between whether this is a personal or business relationship. Obviously, business insurance doesn’t always cover home relationships and vice versa.

The blurred lines of relationship create potential confusion for your homeowners coverage. In this case it’s essential to get prices for many possibilities and consult with a professional.

Finding Free Home Insurance Rates

Get some quotes now so you can find out how to get the best, detailed coverage you need for your money. Enter your zip to compare free homeowners insurance rate quotes online now!