A named insured is essentially the owner of the insurance policy. The named insured purchases the insurance policy and is protected by its coverage. Part of being a named insured includes the following:

• Being owner of the vehicle, however, some standard and non-standard companies do not require the named insured to be titled to the vehicle.
• Authorizes all changes made to the insurance policy.
• Verifies claim details and is listed on claim checks.

Can more than one named insured be listed on a policy?

The number of named insureds is typically one or two people. Multiple named insureds are usually married or individuals who live together and are co-titled on all vehicles listed on the policy. If more than two owners of a vehicle exist the third would be listed as an additional insured.

Where is the named insured's location on the declarations page?

The named insured is listed at the top of your declarations page and is listed with your address. The named insured is also listed on insurance ID cards.

A named insured has all the control of the insurance policy whereas anyone listed as a driver or not listed on the policy does not. The term named insured is used frequently in insurance paperwork. Understanding what a named insured is will help you understand your entire insurance policy better.