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Kids these days...
Yes, you can have your adult child on your car insurance, as there is no age limit for keeping a child on a policy. However, it generally requires that they live in your household and that the vehicle they drive is registered and titled under your name.
Key Rules to Consider:
The Residency Rule: Most insurance providers require all licensed drivers living in your household to be listed on your policy, even if they only drive occasionally.
Vehicles and Ownership: If your adult child owns their car and the title is in their name, many insurance companies will require them to get their own separate auto policy. A parent typically cannot insure a car they don't own.
Financial Liability: If you keep an adult child on your policy, you remain legally and financially responsible for liability claims if they get into an accident in your vehicle.
Because state laws and company policies dictate how adult children are handled—especially when there are different garaging addresses—it is always best to review situations and changes with your agent.
Agent assistance is always free, and I am happy to be a resource for all your insurance needs.
Don't put it off, call Pfaff.
[email protected]
916-633-2221 x115
LIC
TruSummit Insurance Solutions
06/05/2026
Don't demo before you know.
I know it's hard to buy that new home and have to wait for the completed inspection during the insurance "probationary period" before making it your own, but it is important to discuss renovation plans with your agent before obtaining coverage or starting any projects after your policy is bound.
Starting a remodel before your insurance inspection can void your coverage, and if a disaster strikes, such as a fire or water damage, your insurance company may deny the claim.
The inspection establishes your home's baseline value and identifies pre-existing issues before construction alters the property's risk profile.
Remodeling before the inspection causes several major issues:
Uninsurable Work: Standard homeowners policies often do not protect ongoing, uncompleted construction work if the space is deemed uninhabitable.
Disputed Pre-Existing Damage: If your home sustains damage during the remodel, it becomes nearly impossible to prove whether it was caused by the renovation or a pre-existing flaw.
Inaccurate Replacement Value: Renovations drastically increase your home's replacement cost. If you remodel before finalizing your policy's limits, you risk being severely underinsured if disaster strikes.
One of the best things about working with an independent agent is important conversations like these.
Don't put it off, call Pfaff.
[email protected]
916-633-2221 x115
LIC
TruSummit Insurance Solutions
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Citrus Heights, CA
95610
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| Monday | 10am - 6pm |
| Tuesday | 10am - 6pm |
| Wednesday | 10am - 6pm |
| Thursday | 10am - 6pm |
