Who is covered under my homeowner’s policy?

When the text of an insurance policy uses the words “you” or “your”, it’s usually referring to the person(s) who is (are) named on the coverage summary page. The policy also includes, while living in the same household, that person’s spouse, the relatives of either or any person under 21 in their care. Common-law husband-and-wife unions are recognized for insurance purposes if a man and a woman have lived together continuously for three years or for one year if they have a child together. It may be possible for your policy to be expanded to cover property that you are storing temporarily for people who are not members of your household.