Is my mom responible for me if i drive while living in the same house?

I'm not familliar with Florida law or Florida insurance regulations so my answer must be and will be based on general legal and insurance principles. The risk of your motorcycle riding affecting your mother financially under the circumstances you describe would seem to be remote. Assuming you have purchased adequate insurance coverage on your motorcycle, then in the event you are at fault in an accident, and liable for damages to another party, the liability part of your motorcycle insurance would be primary (in other words, it would pay first). If, and only if, that coverage is exhausted, THEN the plaintiff (the injured party in this hypothetical case) MIGHT be able to make a claim against your mother's automobile and/or homeowner's policy to make up for any shortfall. Generally speaking your mother would not be personally liable (such that her personal assets, such as her home, were at risk) for your conduct since you are an adult, unless the claimant can prove that her own negligence somehow contributed to the accident (handing you the keys while you are drunk? Speculation required....). Again I must repeat that I don't know the first thing about Florida law so I would definitely speak with a Florida attorney with some experience in these matters. Hope this helps!

Home owner's would have nothing to do with you owning or driving a motorcycle, although some companies will attempt to require your mother to have you on her auto insurance if you live in the same home, unless you have your own car and insurance. Then all she needs to do is state all potential drivers are over 25. legally she is no longer responsible for you if you are over 21 and out of school. My son has lived with me and carried his own policy with progressive for years, it is not on my policy and will not affect my policy if he gets pulled over or in an accident, he has had his own policy since he was 18, and was never listed as a driver on my car, the only stipulation I had on my policy is that all drivers would be above a specific age.

I am not too familiar with home owners insurance, but generally speaking, it really depends on what kind of policy she has. The very basic policy deals strictly with damages to the home itself and what you can recover from the insurance company for that damage.

the only way i can see the "danger" of your mom's insurance going up is if you did not have insurance for your motorcycle and got into an accident. i could possibly see the person going after you for your assets to recover for damages and if that is not enough, then they MIGHT go after your mother. but, you are an adult, so I don't know how they could go after your mother in the event you did not have insurance for your bike.

I would contact another person at the home owners insurance office to confirm or double check. Just call and inquire to say you had a question about their insurance coverage and pose a "what-if" question. Or even ask to speak with your mom's home owner's insurance agent to clarify what he told her. Maybe she misunderstood his meaning.

She is legally responsible for you until you are 18yrs. years old. After you turn 18, you should obtain your own insurance policy. After you turn 18, you are legally on your own and she can not be held responsible for your actions even if you still live with her.