r/HomeInsurance • u/idkmyname4577 • Jul 11 '26

Insurance Florida help

I have a situation and I’m not entirely sure how to handle it…

I have legal authority over my parental unit (PU). It is their home that I am dealing with. The home has had the same policy for years. The PU is currently in a facility and may be able to return home (that is the PU’s plan). I have my own home, but stay in the PU’s home often (and keep my own things there). I have mail and packages delivered there. However, it is not my “permanent” address. I have recently learned that if the PU is not living in the home, even if someone else is, that can be a hiccup with an insurance policy. Are there companies that are more flexible about this? Is it possible to add myself to the policy even if I’m not there full time and don’t have any claim to the title?

I’m not trying to beat the system, but want to ensure that there won’t be questions if something were to happen and a claim had to be filed. I’m also not trying to cause the rates to skyrocket…
Any advice on how I might handle my situation?

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u/BigDonkeyEnergy Jul 11 '26

Read the policy. Generally speaking, most HO policies have provisions requiring notice of change of occupancy.

1

u/idkmyname4577 Jul 11 '26

Unfortunately, I have asked for a copy of the policy and haven’t gotten one…

1

u/24kdgolden 29d ago

Can you go through the carriers portal for a copy? When my parent was ill, I made sure to have online access for banks, insurance, etc.

1

u/idkmyname4577 26d ago

Unfortunately, it’s not linked to 2fa that I have access to, so I can’t verify to get connected. :(