A pivotal point in every mature parents' life is the time that their children leave to start their own households. Among the items that may be overlooked during this time is whether your grown children have bought their own insurance. The problem with coverage begins when the living arrangements change. But Not Residents Blood is often perceived to be thicker than insurance contracts, but policy wording prevails. An adult son or daughter may think that, when a loss happens, coverage is available from mom or dad's homeowners or auto policy, but it isn't.
Policies are typically clear.
A relative is covered, but only if the relative is a full-time resident of the named insured's household. Even if the nonresident child lives next door, her parents' policy is not going to spread its coverage to take care of her belongings. If this fact appears harsh, know that insurance contracts are meant to handle sources of loss that can be easily identified. Person A's cars or home is protected by Person A's auto or homeowner policy. Imagine if that weren't the case.