I have a renter's policy for my apartment in Virginia; the policy is in my name, but my fiancee and I both live there. We recently had a flood, caused by the upstairs neighbors. My question: does my fiancee qualify as a "relative" for purposes of rental insurance? The claims agent said "no", but she hasn't really struck me as much of an advocate so far... If anyone can point me to some kind of precedent, so much the better. Thanks!
2007-02-11 08:34:58 · 3 answers · asked by fire_bottle_va 1 in Business & Finance ➔ Insurance
NO, but they ARE a household member. Not that THAT will likely do you any good.
Pull out your policy, and look for the definitions section: Who is an insured under the property part.
The "named insured" is the person named on the policy, AND SPOUSE. The insured persons are you, and household relatives who are related, OR, under 21 and in your care. If the fiancee is 21 or over, OR not in your care (ie, you're not a guardian or parent), there's no coverage for her stuff.
All YOUR stuff that's damaged should be covered. If you have stuff that's only hers, it's not covered. But JOINTLY owned stuff should also be covered.
Your advocate SHOULD be your agent. Did your agent know that she was living with you, and they DIDN'T suggest that she gets a renter's policy, too?? Or did you move her in without informing the agent?
If she's been there less than 30 days, her parent's homeowners policy should give you coverage for her stuff.
2007-02-11 09:37:31 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
Take this as a lesson. It costs nothing extra to have yourself and your fiance both on the tenant insurance policy, unless she has a bad insurance history. If she has been living there unlisted more than 30 days (depending on the wordings) the insurance company can deny coverage for her. Your dependent children would not have to be listed.
2007-02-11 10:57:45 · answer #2 · answered by Fred C 7 · 0⤊ 0⤋
In a way yes but in a way no...Relative ususally means blood related or something like that.. and you guys arent married yet either..plus any one can cliam to be engaged (even though im sure youre not just saying that) There might be some kind of way to get around that but..the agent is probably right even though shes an idoit! LOL..good luck
2007-02-11 08:39:16 · answer #3 · answered by Anonymous · 0⤊ 0⤋