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Texas insurance glossary

Named insured

The named insured is the person or business actually named on the policy, who owns the contract, pays for it and holds the rights it grants.

Sources checked

It is the name at the top of the declarations page, and it decides more than it looks like it does: who can change the policy, who can cancel it, who receives the notices, and who the coverage extends to as a household member.

Other people can be covered without being named — a spouse, a resident relative, a permissive user — but they hold coverage rather than the contract.

It matters for filings. An SR-22 is filed for a named person against a policy, so a driver who is covered under somebody else’s policy without being named on it has a problem to solve before the certificate can go in.

Sources: TDI — home insurance glossary; TDI — consumer bill of rights for personal automobile insurance (CB005). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Declarations page The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.
  • Policy limits Policy limits are the most an insurer will pay under a given coverage, stated per person, per occurrence, or per policy period on the declarations page.
  • Endorsement An endorsement is a document that changes a policy — adding, removing, restricting or clarifying coverage — and becomes part of the contract once it is issued.
  • Proof of insurance Proof of insurance is the evidence a Texas driver must be able to show on request that financial responsibility is established for the vehicle they are operating.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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