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Spouses are allowed to carry separate insurance policies, as there are no laws stating otherwise. However, it is generally more cost effective for spouses to carry one together.

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Q: Does Virginia Law allow spouses to have separate Insurance policies?
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Does New York allow spouses to have separate auto insurance policies?

NY and Auto PoliciesYou can have separate policies, but most of the time, it is cheaper to be on the same policy. A NY Insurance Company will ask the question of being married, and if there are other licensed operators in the household, regardless of if they drive the car. It is always said that if there are others in the household that they do have access the the vehicle (last car in the driveway theory). If you commit fraud, you can be denied a claim.


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If both spouses own the house but only 1 spouses name is on the deed to the property how is it divided in Virginia?

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Does Boeing offer dental insurance to same-sex spouses of its employees?

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What are the policies with survivorship life insurance?

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