The short answer
Renters policies cover the named insured and 'residents of the household who are relatives.' Unrelated roommates need separate policies — $10–$18/month each. A joint policy is possible but complicates claims (shared limits, joint deductible, and both must agree on payouts).
Frequently asked
- What about domestic partners?
- Add them as a named insured — most carriers allow it with proof of shared residence.
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