Besides me, who else is covered under my homeowner’s policy?
In general, a homeowner’s policy will have a named insured, which is usually the owner or tenant named on the deed or lease. The named insurer’s spouse is covered as well, even if he or she is not named on the policy declaration. Other users and residents also may be covered to a lesser extent by the personal property and liability provisions in the policy. For instance, the insurer’s children or someone under 21 in the insurer’s care would likely be covered. Employees such as gardeners or housekeepers may also be covered against loss of personal property on the premises. And you may also extend coverage to your guests if you make a request to your insurance company in advance.
