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by Michelle Ferris on Aug 11, 2015

Historically, most households were composed of husband and wife. Times have changed, and households have become more mixed - married couples, couples living together, friends, roommates, and more.

Often, when economic times get tight, people decide to seek a roommate to help with living expenses. If you have someone living with you that’s not related to you, there are a couple of limitations in the standard home insurance policy of which you should be aware.

There is no personal liability insurance for individuals residing in the home who are not related to the person whose name appears on the home insurance policy's declaration page.

For example, if your roommate or significant other has a dog that bites a guest, there would be no personal liability coverage for the roommate / significant other, and they would probably be the primary person to name in a lawsuit. However, the person who is named on the home insurance policy would have protection.

What if the home burned down? Anyone living in the home that is a "non-relative" would have no coverage for his or her personal property lost in the fire.

The best solution would be for the roommate / significant other to purchase a renters insurance policy. The policy would then provide them with liability and property protection. Of course, if the home was purchased / deeded in two people's names that were not related, then the insurance policy would need to name both of them as named insured on the declaration page, providing them both with the same coverage.

If you have questions regarding your home insurance or renters’ insurance, feel free to give PLC Insurance a call. We are happy to advise you, or give you a no-obligation home or renters insurance quote.

© 2019, PLC Insurance. The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence to all applicable laws and regulations, federal, state and local, governing the use of any product or service described in this report in the US or any other jurisdiction is the sole responsibility of the reader. The publisher and author assume no responsibility or liability whatsoever on the behalf of the reader of these materials. The reader is encouraged to consult directly with his/her insurance professional.

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