Does my home insurance cover people living in the house who are not family?

Answered by Home Insurance, Car Insurance Expert Savannah on December 29, 2020

I've offered to let my friend stay at my place until he finds work and gets back on his feet. Will my home insurance cover him?

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Home Insurance, Car Insurance Expert

Your home insurance only covers you and your family. The policy is not extended to others living in your home. This is because you do not have what’s called “insurable interest” in the belongings of other people who are not family. Insurable interest involves having a financial stake in something, and you would suffer a loss if it were damaged or destroyed. You can only insure what you have an insurable interest in.

To learn more about insurable interest, check out this article: What Is Insurable Interest? (Hint: It’s Probably Not What You Think).

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