Is spouse of named insured covered on homeowner's policy?

Answer 1

Not Necessarily no. If your spouse is not listed on the policy then it may be a matter of state law.

Your Should contact your insurer and make sure your spouse is listed as a named insured on your policy if you want coverage extended to your Spouse. This will insure your spouse is covered and avoid ambiguity in the event of a covered loss. It also allows your spouse to discuss details of the policy coverage, request copies, make payment arrangements and resolve other billing issues if needed.

Technically your insurance policy is specific to the named insured(s) listed on the policy. By Law your Insurer may not discuss your policy with nor extend coverage with persons who you did not name as an insured on your policy.

If you are married and your insurer does not know this, then they would not assume that you are married nor would they assume that you intended your spouse to be covered.

You may very well have excluded your spouse from coverage intentionally due to divorce, separation or other estrangement.