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

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?

Answer
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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Savannah Grabek
Answered on Mar 03, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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