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How do car insurance companies define living at home?


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Question:  What is the definition of living at home?  For instance, would an adult child be considered to be living at home if the parent's address is the child's permanent address, even though the child may live elsewhere for a portion of the year?

Answer:  The definition of "living at home" varies from one car insurance company to another, so you really need to speak to your current insurer to find out about your specific situation with your adult child that lives with you for part of the year.

Typically, "living at home" means to an auto insurance provider that the person uses your address as his permanent address and is there for a portion of the year.

How much of the year the person must spend at your residence to be "living at home" again varies by insurance providers. For some, it may be over 30 days and for others it can be a majority of the year.

Usually, car insurance companies will say in your policy that all licensed household members must be listed on your car insurance policy. As for what is considered a "household member," in general, it’s an immediate or extended family member that lives with you (even for a portion of the year) or even a non-family household member that may drive your vehicle, such as a roommate.

If a child moves out for most of the year and is living on a college campus across the country, you may be able to take the child off your policy, even if he uses your address as his permanent residence during his years in college.

If instead the child is going to school less than 100 miles from your home, then you likely will need to keep him on your policy. This is because a child living that close to you, reasons your car insurer, could come home often to visit and use your vehicle.

If you do take him off your policy, then you'd need to check with your auto insurance agent to see if there would be any coverage if the child came home, such as for school breaks, and drove your vehicle. You might have to add him back on, especially if he is home for a long period of time, such as the summer months.

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