Is an unsured licensed driver not living in the household covered on the household vehicles?

An uninsured licensed driver not living in the household is typically not covered under the household's auto insurance policy. Coverage generally extends to individuals who reside at the same address, and those who do not live there may need to be listed as additional drivers or have their own insurance. It’s important to check the specific terms of the policy, as coverage can vary by insurer. Always consult with your insurance provider for clarification on coverage details.