Tenant insurance policies often raise questions about how to include family members, such as children, spouses, or other relatives. This article provides a comprehensive guide to understanding how family members are covered under your Apollocover tenant insurance policy and the steps you may need to take.
Overview of Family Member Coverage
Apollo tenant insurance policies are designed to automatically extend coverage to immediate family members living in the insured residence. This includes:
Spouses or common-law partners
Dependent children under 21 years old
Other immediate family members, such as parents or siblings, who reside with you
In most cases, you do not need to manually add these individuals to your policy.
Coverage for Minors
Minors, including dependent children under 21, are automatically covered under your tenant insurance policy. They cannot be added as named insureds because they are not legally able to enter into contracts. However, their coverage is included as part of your family’s protection.
Newborns: Newborn children are automatically covered from birth. You do not need to update your policy to include them.
Demonstrating Coverage: If you need to show proof of coverage for a minor (e.g., to a landlord), you can provide a copy of your policy wording.
Adding Adult Children
Adult children who live with you are generally covered under your policy as long as they reside in the insured household. If they move out, they may need their own tenant insurance policy. In some cases, adult children can be added without affecting your premium.
Coverage for Spouses and Immediate Family Members
Spouses and common-law partners are automatically covered under your policy if they live with you. To add a common-law partner, you may need to confirm that you have been living together for at least three years. Immediate family members, such as parents or siblings, are also covered if they reside in the insured residence.
Adding Extended Family Members or Roommates
Extended family members, such as nephews or cousins, may also be covered under your policy if they live with you. However, specific conditions may apply:
Roommates: Roommates who are not family members should be added to the policy as roommates if they are named on the lease. (Additional charges may apply)
Limitations: You can add up to two roommates to your policy during the application process, so long as you state how many people reside at the location or through your client portal.