Adding a Relative to Your Insurance Policy

Adding a relative to your insurance policy will affect your rates. When you add a family member to your insurance plan, you are taking on the risk of that individual. Their credit score, insurance history, driving record, and more will impact your insurance rates. If you’re adding a relative to your insurance policy, start comparing insurance quotes below so you can get the best rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 15, 2020

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Some types of insurance allow you to add close relatives, but others do not make such provisions, or have specific regulations that have to be adhered to. In the case of minor children, elderly or other dependents, most policies which allow such additions have clauses which explain who is eligible. Your policy is perhaps the best place to start looking for information about adding a family member, because most policies are very clear about what the coverage includes or who is excluded.

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.

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