Category: Home Insurance

At AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX area, one of the questions that we are often asked is whether a family member who moves in, such as a mother-in-law, is covered by a home insurance policy if they live with you. We want to help our clients make the right decisions when it comes to insurance products, and getting answers to the questions you have can help you do that. Keep reading to find out the answer to this question. 

Are My Mother-In-Laws Possessions Covered Under Our Home Insurance Policy If She Lives With Us?

In most cases, a home insurance policy extends to your family members who are living with you, as long as they have a blood relation to you or your spouse or partner. This means that if either of your parents moves in with you, if any of your children move in, or if one of your siblings moves in, your home insurance policy will cover them and their belongings while they are living in your home.

However, if you have someone who you deem to be family, but that is not technically related to you, your home insurance policy will not cover them. There needs to be a blood or family connection. 

If your mother-in-law, or any other family member that is related to you, your spouse, or your partner by blood, moves in with you, your home insurance will likely extend to them and cover their belongings. However, it is strongly recommended that you talk to an insurance agent and ensure this is the case with your specific policy.

Contact Us Today

If you are in the market for a new home insurance policy, the team at AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX area, would love to help you. Call us today to get started. 

Owning your own home has long been a foundational part of the American dream. Homeownership comes with a distinct sense of pride and accomplishment. However, there are also certain risks as well. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we make it our business to provide clients with reliable insurance information. Keep reading to learn about common risks homeowners face. 

Property Damage

The most common risk you will face as a homeowner is the risk of damage to your property. Your home or property can be damaged through fire, natural disasters, or even through burglary. If this happens, any repairs will come out of your pocket if you are not properly insured. If your home is lost through property damage, you and your family will be put in a very vulnerable position. Homeowners’ insurance policies are designed to protect you from these types of risks. 

Liability 

Many homeowners don’t think of a liability as a risk of homeownership, but it is definitely something you want to consider. When you own a home, you are solely responsible for anything that happens on that property. If someone is injured at your home or on your property, you could be held liable for their medical expenses. You could even be held liable for legal expenses if someone chose to take legal action against you because of their injuries. 

The risk of liability is increased if you have people to your home on a regular basis, have a swimming pool, or participate in recreational activities that could be hazardous. Most homeowners’ policies will cover liability expenses if someone is injured at your home or on your property.

If you would like to learn more about our services, please contact us at AlphaSure Affordable Insurance Services, serving San Antonio, TX.