Can my live-in partner’s renters insurance cover my belongings?

"I'm moving in with my partner soon. He told me to get my own renters insurance for my property, but I was thinking, can't he just take out a larger renters policy to cover my things as well? And then we could split the bill. Or would this be considered fraud?

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Answer provided by
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Alexah Grinnell
Answered on Apr 07, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“There are some insurance companies that will allow customers to name another person on their renters policy so that this person’s belongings will also be covered. But in most cases, you may be required to obtain your own policy since you are not your partner’s spouse or immediate family member. It all depends on the underwriting guidelines of your partner’s insurance company. “
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