Car Insurance Costs

Will my 21 year old son get a better rate if he is added to my auto insurance policy?

While Michigan does charge a $170 fee for each insured vehicle, most insurance companies offer a discount for insuring multiple vehicles under the same policy. In addition to that discount, you may also qualify for discounts that he would not get on his own.

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Car Insurance Costs
General Insurance

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

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.

Eligibility
Homeowners Insurance

If my children are moving back into my home temporarily, do I need to add them to my homeowners insurance?

Assuming that your son and daughter-in-law maintain a homeowners insurance policy of their own, it would not be necessary for you to add them to your policy. Their personal property and liability will still be covered by their home insurance provider while they are staying with your temporarily.

Eligibility

Can I insure an RV under my auto policy?

Your RV and your vehicle are considered two different types of risk. Automobiles are covered under a personal auto policy and recreational vehicles are covered under a "special lines" policy.

Eligibility

Can I add my golf cart to my insurance policy?

A golf cart is covered on a Special Lines insurance policy since it is a different type of risk from a traditional automobile. Unfortunately that means you won't be able to add it with your vehicle, but most insurance companies offer discounted rates for "bundling" your two policies.
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