When Frank Sinatra originally recorded the song "Love and Marriage" in 1955, it became a huge hit. Yet, like many once-popular notions, those lyrics seem nostalgically quaint in our current world.
Even in this month of Valentine's Day and all things romantic, the world has clearly moved on in its definition of commitment and relationships. Except, it seems, in the personal lines universe, as the forms are clearly living in the last century. For example, here is the applicable policy wording from the current homeowners form: In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the spouse of a resident of the same household. "We," "us" and "our" refer to the Company providing this insurance.
The ISO Personal Auto policy has the same language, with one interesting additional requirement: You better not only be married, but you better still be living together.
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