What is the definition of household for auto insurance?

Insurance providers generally do not require the policyholder to be the primary driver of the insured vehicle. When an insurer asks you to make a list of the members of your household, it is trying to get a full picture of your situation and the extent of the risk you will insure. Because a policy normally provides coverage to named policyholders and other drivers who live in the same household, the insurer will request information (on the request) about other drivers when considering selling a policy. Once again, insurance company guidelines vary, so when buying insurance, you should find out with the insurance company who you consider a member of the household or resident of the household.

There can also be differences in state laws that help define who is considered a member of the household and who should be included in an auto insurance policy and be covered by it. To see if your state's laws dictate who is defined as a member of the household or if it depends on the individual insurance company, contact your state's insurance regulator. Generally speaking, insurers will ask you to make a list of all the members of the household when you apply for an auto insurance policy. Not informing the insurance company about a household member is a misrepresentation, a form of insurance fraud.

However, the definition of a household member may vary from one insurance company to another due to the different underwriting rules and guidelines that each company has in place, as well as the language (terms) of the car insurance policy.