Children do not always leave the nest as soon as they turn 18. As such, you may have your child living with you once they are legally an adult. One of the questions that we at Kriener Insurance, serving the greater Woodbury, MN area, are often asked is whether you need to add your children to a renters insurance policy you may have once they turn 18 or if they are still covered under your policy as they were when they were a child.
Do You Need to Add Your Children to a Renters Policy Once They Turn 18?
As a general rule of thumb, no, you do not need to add your children to a renters insurance policy once they turn 18. Most renters insurance policies cover the policy owner as well as any immediate family members living in the space, which would include adult children.
Reasons You Should Consider Adding Them Even If You Do Not Have To
While you may not be required to add your adult child to your renter’s insurance policy, either adding their name to your policy or having them get their own policy is recommended, especially if they have costly possessions, such as electronic devices, jewelry, artwork, or designer clothing. This helps to ensure that the policy limits on the policy cover both you and your adult child or children adequately.
Give Us A Call
If you are looking to purchase a renters insurance policy in the greater Woodbury, MN area, Kriener Insurance would love to help you find the perfect policy to protect you and any young or adult children you may have living in your rental home with you. Reach out to us today to schedule an appointment to discuss your rental insurance needs.