Adding a Relative to Your Insurance Policy (2024)

Adding a relative to your insurance policy? Make an informed decision by comparing quotes from top insurance providers. Adding a family member can impact your rates, as factors like their credit score, insurance history, and driving record are considered. It's important to understand the eligibility criteria and coverage implications.

UPDATED: Dec 28, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 28, 2023Fact Checked

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Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

UPDATED: Dec 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 28, 2023Fact Checked

Welcome to our comprehensive guide on “Adding a Relative to Your Insurance Policy.” If you’re considering adding a family member to your insurance plan, it’s essential to understand the impact it can have on your rates and coverage. In this article, we’ll discuss important topics such as eligibility criteria, how adding a relative affects your premiums, and coverage implications across various insurance types.

To ensure you make an informed decision, we recommend comparing rates from the best insurance providers. Enter your zip code now and let us help you find the right coverage at the best rates for your family’s needs.

Adding to Auto Insurance

Adding a relative to your car insurance policy is a relatively easy process. You will need to contact your insurance agent and provide some information about the person you are adding, a process of only a few minutes. After that, your agent can tell you how much it will cost to add your relative or provide you with additional information. Since the
insurance company wants to know everyone who will be driving your car, adding your relative has been simplified to make the process easier for everyone.

Health Insurance Coverage

Health insurance is typically written for the insured person, their spouse and any of their immediate dependents. You would be allowed to add your children, but your parents would not be eligible even if they live in the home. Your kids are allowed, by law, to remain on your health insurance until they are 26. With the changes in health insurance laws that are either already in place or will be within the next 18 months, most people will be able to purchase health coverage that will fit within their own budget.

Homeowners Insurance Limitations

Your homeowners insurance policy will only cover personal property or liability claims from couples and their dependent children. If your son knocks a baseball through the neighbor’s window, your homeowners would cover it. If your dad, who lives in the home, damaged a section of the neighbor’s privacy fence, the insurance company would not cover the damage. The primary focus of home insurance is to insure the home, not personal property and liability coverage for anyone who may live in the home. Unlike other types of insurance, coverage of dependent children usually ends at 18 rather than the 26 year limit.

Frequently Asked Questions

Can I add a relative to my insurance policy?

Yes, you can add a relative to your insurance policy as long as they meet the eligibility criteria of your insurance provider.

Who can I add to my insurance policy as a relative?

The relatives you can add to your insurance policy may vary depending on your insurance provider’s rules. Typically, you can add your spouse, children, parents, and siblings as dependents.

How do I add a relative to my insurance policy?

To add a relative to your insurance policy, you will need to contact your insurance provider and provide them with the necessary information about the relative, such as their full name, date of birth, and relationship to you.

Will adding a relative to my insurance policy affect my premium?

Yes, adding a relative to your insurance policy may increase your premium. The amount of the increase will depend on your insurance provider’s rules and the type of coverage you have.

Can I remove a relative from my insurance policy?

Yes, you can remove a relative from your insurance policy if you no longer want them to be covered. Contact your insurance provider to initiate the process.

What happens if my relative is not eligible for my insurance policy?

If your relative is not eligible for your insurance policy, they will not be able to be added as a dependent. You may want to explore alternative insurance options for them.

Will my relative have the same coverage as me if I add them to my insurance policy?

Your relative’s coverage may be different from yours, depending on your insurance provider’s rules and the type of coverage you have. It is best to contact your insurance provider to understand the specific details of your policy.

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Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

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