Fwiw, we have to insure our kids - it's not optional even tho difficult child is 21 & easy child is 19 - because our home is their legal address. husband recently went toe to toe w difficult child to get him to legally change his dl address to his apartment. Even when we were totally estranged and difficult child had an apartment lease in his name; we had to
Keep him on our automobile insurance. Something to do with underwriting and liability and it may be bc it's linked to our homeowners.
I was so afraid that difficult child would get into an accident w a borrowed vehicle & the liability would fall on our insurance. I am relatively sure he is off now but I don't want to ask husband bc it became such a touchy subject.