Def'n of "relatives" for renter's insurance?
I have a renter's policy for my apartment within Virginia; the policy is in my signature, but my fiancee and I both live there. We just now had a flood, cause 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 proponent so far... If anyone can point me to some kind of precedent, so much the better. Thanks!
Answers:
Take this as a lesson. It costs nothing extra to own yourself and your fiance both on the tenant insurance policy, unless she has a fruitless insurance history. If she has be living there unlisted more than 30 days (depending on the wordings) the insurance company can deny coverage for her. Your dependent children would not hold to be listed.
In a way yes but within a way no...Relative ususally technique blood related or something like that.. and you guys arent married even so either..plus any one can cliam to be out of stock (even though im sure youre not just saw that) There might be some kind of method to get around that but..the agent is probably right even though shes an idoit! LOL..correct luck
NO, but they ARE a household beneficiary. Not that THAT will likely do you any accurate.
Pull out your policy, and look for the definitions bit: Who is an insured under the property cog.
The "named insured" is the character named on the policy, AND SPOUSE. The insured individuals are you, and household relatives who are related, OR, under 21 and within your care. If the fiancee is 21 or over, OR not surrounded by your care (ie, you're not a guardian or parent), there's no coverage for her stuff.
All YOUR stuff that's tattered should be covered. If you have stuff that's single 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 be living with you, and they DIDN'T suggest that she get a renter's policy, too?? Or did you move her in lacking informing the agent?
If she's been at hand less than 30 days, her parent's homeowners policy should make available you coverage for her stuff.