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).