The Human Named Insureds section can be found on the Parties tab. This section pulls the individual from the Interview tab and auto-fills them under this category.
Every policy must include at least one Named Insured.
Generally, this should include every person listed on the deed to the home and, if the policy is an HO5, residing there. If not residing in the home, see Who Can Be Listed As Additional Insureds?
Named Insureds and their spouses (including through civil union) enjoy the full protection of the insurance across all coverages:
- Coverage A (Main Dwelling)
- Coverage B (Other Structures)
- Coverage C (Personal Property)
- Coverage D (Loss of Use)
- Coverage E (Liability)
- Coverage F (Medical Payments)
No other category of insured or party enjoys this complete coverage because other parties have an insurable interest that is limited in some way.
See this article to learn how to change the address for a Human Named Insured.
For further assistance, contact us via our webform or Live Chat.