Exclusion May Be Valid or Invalid Depending Upon the Jurisdiction

Reviewed October 14, 2019

Various personal lines policies include a family or household exclusion that eliminates coverage for damages resulting from bodily injury to the insured's resident relatives or others residing in the household. These provisions have been the subject of controversy regarding their enforceability. The general rule is that such an exclusion is usually valid in homeowners policies and may, or may not be, valid in personal automobile policies, depending upon the laws and public policy of that state (this is because the financial responsibility or uninsured motorists statutes may be in conflict with the family exclusion).