Can one FR44 policy cover multiple vehicles or household drivers?
Yes, an FR44 policy can cover multiple vehicles. Household drivers may need to be listed or excluded depending on carrier requirements. The FR44 filing requirement applies to you specifically, not to other drivers on the policy.
Multiple Vehicles
You can list multiple vehicles on a single FR44 policy. The FR44 certificate applies to the policy as a whole, and all listed vehicles are covered at the required higher liability limits ($100,000/$300,000/$50,000 in Florida).
Household Drivers
Carriers typically require all licensed household members to be listed or formally excluded from the policy. The FR44 filing requirement is yours — it doesn't transfer to other household members. But the policy itself must account for who drives the insured vehicles.
If you have questions about structuring your FR44 policy with multiple vehicles or household drivers, call (855) 678-6977.
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