Renter Policy for Living with Parents?

[Milkman1265]

Can a son get a renter policy for himself if he lives in at home with parent but the parent own the home.

If kitchen caught fire and they can't live there without a kitchen will the rental policy pay for the sons hotel?

 

[moonlightandmargaritas]

If kitchen caught fire and they can't live there without a kitchen will the rental policy pay for the sons hotel?

He's living in the kitchen? Odd.

 

[Milkman1265]

Just wondering, I've seen some carriers pay for loss of use, they can't cook or use the kitchen. But they had a adjuster help them with the claim

 

[dmgoselin]

The parents homeowners policy most likely has money available to stay at a hotel
or elsewhere if uninhabitable. The policy very likely covers family members stuff too. I am not sure of anything because each state and policy/forms/endorsements/scheduled items are different. This a general answer.
You certainly could buy a renters policy if you are renting and very likely would have money available to live somewhere else but make sure agent knows this needs to be confirmed.

Diane

 

[indienoise]

Even if it were allowed I can't imagine it would do anything for anyone except generate premium lol

 

[SuperNewbie]

I agree with indienoise. Why would this policy even be needed? Most Homeowners policies would cover children living in the household.