Am I Covered On My Girlfriend's Auto Insurance Policy? 
Yes you should and actually must be listed . You are a part owner of one of the vehicles for one and live in the house . You could actually have a claim denied for not being listed on the policy and living in the household . Permissive driver coverage applies to non household persons , not residents . This is bad advice by the agent and you could wind up in a very bad situation . Get listed on that policy ASAP or find another agent who will correctly write the policy . You hear horror stories of insurance companies denying claims . Well this is why . 