08/13/2026
🏡 Don't think you'd ever have to add anyone as an additional insured to your property policy?
👯♀️Consider this: Sarah, a homeowner, recently let her friend Emily stay at her place for a few months while Emily was between apartments. Since Emily was living there temporarily, Sarah added her as an 'additional insured' on her homeowner’s insurance. It seemed like a small detail, but it soon made a big difference.
🔥 One evening, while Sarah was away, a kitchen fire broke out. Emily acted quickly, but there was still significant smoke damage. Because she was listed as an additional insured, Emily was covered for any liability or damages that occurred while staying there, and Sarah’s insurance company was able to cover the necessary repairs without extra red tape or delays.
❤️ Had Emily not been added, Sarah could have faced more complications with her claim. By adding her as an additional insured, Sarah saved herself potential stress, kept her property protected, and supported her friend during a tough time. Whether it’s family or friends staying with you, having them as an additional insured is a simple step with big benefits.
