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Typically the answer to this question is no. The contents portion of your homeowners insurance policy provides coverage for the policyholder’s belongings as well as immediate family members who reside in the home (children, spouse).

In the event that your home was damaged or lost in a covered peril, your homeowners insurance policy would provide coverage for your belongings, up to the limits for each type of item in your policy.

Your roommate might want to consider purchasing a renter’s insurance policy. A renter’s insurance policy provides coverage for the tenant’s belongings up to coverage limits listed in their policy.  Your roommate would then have sufficient coverage for her belongings in the event of a loss.

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Posted 9:16 AM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Reliable Insurance Managers, Inc. to provide information that may be of interest. Reliable Insurance Managers, Inc. is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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