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Can my fiancé and I share an insurance policy?

My insurance company is saying that I need my own policy, instead of sharing one with my fiancé, because we don't live together.  I only stay at my own apartment two days a week, but I stay at my fiance's address five days a week.  Does this count as "living together" for insurance purposes?  

Oct 16, 2025 Birmingham, AL

Answer
Author profile picture
Beth Swanson
Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance (AINS)
  • Professional Risk Consultant (PRC)
  • Associate in Insurance Services (AIS)

Thank you for reaching out to us here at The Zebra. You can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors. They can shop you around with carriers we partner with in your state, in order to find you the best policy that meets your needs. If you are interested, you can purchase and have proof of insurance before you hang up. I hope this helps, and if you have any other questions please let me know.

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