|
|
| *Loan,banking and credit>>>renters insurance |
What issues do I need to know when buying renters/auto insurance with a domestic partner and adopted child? |
I don't know the questions to ask or issues I might encounter and what to make sure there aren't any gaps in my coverage. (i.e., is my DP's stuff covered under my rental policy?) Depending on your state law, you could have a VERY hard time finding a company willing to write a policy on you and a non-spouse. For a rental policy, you have to be a named insured. It covers relatives (NOT Live ins) and their stuff, but the named insured gets paid. Most companies will NOT list two non-married people, both as named insureds. For auto policy, you have to have ownership interest in the scheduled vehicles. Unless you BOTH are on the title and registration, you will NOT both be "named insureds". There are coverages on an auto policy afforded to "named insureds" that are NOT afforded to "listed drivers". So if you were to list your partner as a driver, that would be fine for YOUR cars, but the policy would NOT cover them if they were to borrow someone else's car, or rent a vehicle. I'd recommend you each have your own policies. Or rather, talk to a local agent, and see what your particular state laws allow. But I'd HEAVILY recommend you each have your own policies. Oh, the child part doesn't matter. They're covered just like a natural child, under renters and auto. Source(s): agent, 21+ years is this your adopted child? you are their legal guardian, then if so, the child will be covered, if these people are legally within you family, their is coverage. and if you dont put your partners names on these policies, then no coverage. if the lease is in both names that is, same with the car, if you are both on the title, then you should be both on the insurance. if your not both on the title, but live together and both use the car, you still need to add them to the auto insurance. DP, needs to be on both policies, if not, needs separate policy to cover belongings on the renters. The main thing to ask your agent is that you are both named on the policies. If your named on the policy, your covered. Your child will not be a problem and can be added on just like any other. I write polices like yours all the time, here in Colorado. Insurance Agent Oh ok I got this for you... Better check on this... Im pretty sure you'll discover something... http://www.myautoinsurancetips.com... please try this <a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-104... |
| Tags |
| fair tax federal tax deferred tax property insurance renters insurance social insurance state insurance student insurance online insurance term insurance |
SiteMap--Copyright/IP Policy--Contact Webmaster--Resource of HR For personal non-commercial use only. |