Leased vehicles can be covered under a personal auto policy if leased for a minimum of how long?

Leased vehicles can be covered under a personal auto policy if they are leased for a minimum of 6 consecutive months. This specific duration aligns with the underwriting standards of many insurance providers, which require that a leased vehicle be treated as a personal vehicle eligible for coverage under a personal auto policy.

The significance of the 6-month duration is that it distinguishes between short-term rentals, which are often insured differently, and longer-term leases that resemble vehicle ownership in terms of usage and responsibility. In this context, coverage is designed to protect the interests of the policyholder while acknowledging their commitment to the leased vehicle over an extended period.

Understanding these terms helps to clarify how coverage can be appropriately applied in different situations, particularly in distinguishing between various types of vehicle use in personal auto policies.