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Who is automatically covered under the policy and who can be added to the certificate of insurance?
Who is automatically covered under the policy and who can be added to the certificate of insurance?

Can I add my boyfriend, girlfriend, or partner to my Duuo tenant insurance policy if we are not married? Yes. See below for more detail.

Katie at Duuo avatar
Written by Katie at Duuo
Updated over a month ago

When the policy is purchased, the name on the policy is the policy holder and named insured. The only other name that should be specifically listed on the certificate is an immediate family member that is also listed on the lease or rental agreement, if required by the landlord.

One other person who needs to be specifically listed is a romantic partner, if they are not automatically covered under the definition of spouse (meaning you have been living together for less than 3 years.) We will allow coverage under our policy once they are listed as an additional insured.

Other immediate family members are automatically covered if they meet the definition found in the policy wordings, they do not need to be listed on the certificate to have coverage under the policy.

Definitions:

Spouse – Legally married or living together for 3 years or more (automatically covered)

Immediate family members: spouse, children, siblings, parents. (automatically covered)

Romantic partner: In a romantic relationship and living together for less than 3 years. (Name needs to be added to be covered.)

(A Romanic partner is differ than a roommate)

** Please note roommates or other people living in the home, that are not immediate family members, are not covered under this policy. They are required to have their own insurance policy.


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