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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?

Aug 1, 2017 Groveton, NH

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The Zebra

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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 for auto insurance be sure to ask about your options concerning your son being listed on your policy.

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