Auto insurance policies are often designed with families in mind, but what happens when you want to add someone outside of your household? Whether it’s a roommate, a close friend, or someone who frequently drives your car, adding a non-family member to your policy can be a smart move in certain situations. At Mangrove Property and Casualty Group, we help drivers in St. Petersburg, FL, navigate these decisions with ease.

Who Can Be Added to Your Policy?

Most insurance companies allow you to add individuals who live in your household and regularly drive your vehicle. This includes roommates, domestic partners, or anyone who shares your address. However, adding someone who doesn’t live with you can be more complicated. In these cases, insurers may require proof that the person has consistent access to your car or is a primary driver.

What Are the Benefits of Adding a Non-Family Member?

Adding a non-family member to your policy ensures they’re covered in case of an accident while driving your vehicle. It can also simplify the claims process, as the insurance company will already have their information on file. For drivers in St. Petersburg, FL, this can be especially helpful in situations where multiple people share a car.

What Should You Consider Before Adding Someone?

Before adding a non-family member to your policy, it’s important to consider how it might affect your premiums. Insurance companies assess risk based on the driving history of everyone listed on the policy, so adding someone with a poor record could increase your costs. Mangrove Property and Casualty Group recommends discussing these details with your agent to avoid surprises.

Get Expert Advice Today

Adding a non-family member to your auto insurance policy doesn’t have to be complicated. If you’re in St. Petersburg, FL, and need guidance, contact Mangrove Property and Casualty Group today. We’re here to help you make informed decisions and ensure your coverage works for everyone involved.