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# Can I Add Someone to My Standard Insurance Plan?

Short answer: **no — but you may not need to.**
Here’s how Standard Tenant Insurance works, who is already covered, and what to do if your landlord requires names on the policy.
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**👤 Can I Add Another Certificate Holder?**

Standard Tenant Insurance allows **one named certificate holder only**.
You cannot manually add a second name (such as a spouse or relative) to the certificate.

However, coverage often extends further than what appears on the certificate.
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**✅ Who Is Automatically Covered?**

Even though only one name appears on the certificate, the policy automatically covers certain household members when they live with you.

This includes:

* Your **spouse or common-law partner**
* **Relatives** living in the unit
* **Dependent children**

These individuals are insured under the policy **without being listed by name**.
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**📄 Where Is This Defined in the Policy?**

Who is covered under your Standard Tenant Insurance is defined directly in the **policy wording**, not just on the certificate.

You’ll find this information in:

* **Policy Section:** *Definitions*
* **Definition:** *Certificateholder*
* **Policy Document:** *Residents Liability Program – Certificate of Insurance*
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**📌 What the Policy Actually Says**

The policy defines *Certificateholder* as follows:
> **“Certificateholder means you and:**
> **a. The following resident(s) of your household:**
> (1) **Spouse;**
> (2) **Your relatives; and**
> (3) **Any other person under the age of 21 who is in the care of any person named above.”**
This definition is what legally determines who is covered under the policy.

Only the primary policyholder appears on the certificate, but eligible household members are **automatically insured** under this definition.
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**🏷️ Why Does Only One Name Appear on the Certificate?**

The certificate is designed to identify the **primary policyholder only**.

It is not intended to list every person who is covered under the policy. Instead, it serves as proof that **tenant insurance is active for the insured unit**.

Here’s why this is done:

* **Liability is issued to one individual**
Claims, legal responsibility, and administration are tied to the named certificate holder.
* **Coverage is defined in the policy wording**
The certificate is a summary document. The policy wording determines who is insured.
* **Household members are covered by definition, not by listing**
Spouses, relatives, and dependent children are included automatically, even though their names do not appear on the certificate. 
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**🧠 Helpful Context for Landlords**

If your landlord **requires specific individuals to be named on the policy**, and those individuals are **not already included under the policy definition**, Standard Tenant Insurance may not meet that requirement.

In this case, you would need to purchase an **individual custom tenant insurance policy**.

**🧾 When Is a Custom Policy Needed?**

A custom tenant insurance policy may be required if:

* You live with **roommates or co-tenants**
* Multiple adults are listed on the lease who are **not spouses or relatives**
* Your landlord requires **each tenant’s name to appear explicitly** on one policy

Custom (individual) policies are designed to:

* List **multiple named insureds**
* Align directly with lease requirements
* Provide documentation that clearly names each individual
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###### 🔎 Standard vs. Custom — Which Do I Need?

* **Choose *Standard Tenant Insurance*** if you live alone or with a spouse, common-law partner, relatives, or dependent children.
* **Choose *Custom Tenant Insurance*** only if your landlord requires names to appear on the policy that are **not automatically included under the standard policy definition**. Or if you require more coverage than the Standard plan provides.

If you’re unsure which option applies to your situation, reach out — we’re happy to help you confirm what’s required before you purchase or make changes.