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Is it mandatory to list my adult child on my policy if they live in my home but will not drive my vehicle?

I was looking for a new insurance policy and was told that I have to add my son since he lives in my home. Do I have to even if he won’t be driving my vehicle?

Agent Answer

Neil Richardson

Insurance companies generally require that any person living in the household be listed on your policy regardless of driving status. If a member of your household won’t be driving your vehicle then you can normally exclude them from coverage or have them listed as a non-driver. The reason is because the company wants to know who they will and will not be covering as a driver in the event that there is a claim involving your vehicle. Excluding a person from your policy normally doesn’t impact your rate. When shopping around be sure to ask about your options concerning your son being listed on your policy.

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