Does My Renters Insurance Cover My Roommate? 
No . If you read your policy , you will see in the Definitions Section , the definition of Insured . It would look similar to this `` Insured '' means you and residents of your household who are : a. Your relatives ; or b . Other persons under the age of 21 and in the care of any person named above . If your roommate is not a relative , he is not insured and would receive no benefit from the policy in the event of fire or liability claim . If you were apply for the insurance in your name and your roommates name , and the company issued a policy , then your roommate and you would be covered . I hope I 've answered your question . If not , feel free to call , fax or email me . Kevin P. Foley , CPA , CPCU PFT&K Insurance Brokers T 877-414-2031 F 877-405-3025 E kpfoley -LSB- at -RSB- kpfoley -LSB- dot -RSB- com W www -LSB- dot -RSB- kpfoley -LSB- dot -RSB- com 