Insurance Definition of Household Member
Insurance definitions of "household member" differ depending upon the type of insurance coverage and the underwriting guidelines used by a particular company. Some companies allow coverage to include nonfamily household members, such as domestic partners, according to the New Jersey Division of Pensions and Benefits.
Other People Are Reading
-
Traditional Coverage
-
Many policies are written strictly to provide coverage only to related family members, who are defined as persons related by blood and living in the household. For insurance purposes, these "may include any immediate or extended family member of driving age such as parents, children, siblings, and even grandparents," according to the website CarInsurance.com.
Coverage in 21st Century
-
The insurance industry has taken its cue from legislative and judicial actions to determine what constitutes an insured member of a household. "The judgments concerning insurance coverage turned on what the judges believe constituted residency, a relative or a household," according to the website American Association of Insurance Services. Insurance companies do not want to see their actions construed as limiting or taking away coverage, for fear of possible lawsuits.
-
Auto Insurance
-
Many auto insurance companies will include nonrelated household members to protect both the driver and the insurance company against liability claims. "In general, immediate or extended family that lives with you as well as non-family household members that drive your vehicle, such as a roommate can be considered a member of your household," according to CarInsurance.com.
-
