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Does homeowner's insurance cover roomate's belongings?

I own a home and have homeowner's insurance in my name. My boyfriend lives with me so obviously all of his belongings are in the home. I thought anything in the home was covered under my policy, but I read in a few places that he would have to get a separate policy as a renter. Is this true? We have no official renter's agreement. How would they even prove that the items weren't mine if something were to happen?

the simple way to handle this is to contact your agent and have him listed a person living in the home, then his stuff is covered. he does NOT have to be listed as a named insured, as that gives him the power to change the policy or do anything else he wants to it. As long as you list him as a resident, his stuff is covered and it costs you nothing. Source(s): agent

Talk to your insurance agent on this one. The exact status of the boyfriend can be important.
Seeing he's your boyfriend!, it wouldn't make sense for you and him to go through all the red tape of an insurance company!

And you with the whole official renting ordeal either! it would be more of a hassle then it would be worth, then if you just added the value of his stuff as if it was yours to your policy by increasing your personal property value!

If something like your home burned or got detroyed by a tornado etc. your home owners insurance would cover your house and all your personal property minus age depreciation value! You can just sit down with him and figure out how much you and he thinks all of your personal property and his would be worth all toegther, minus depreciation, and then up your insurance policy to cover everything even though some is his, then you have to get an agreement signed between the two of you how you would pay him and about how much of the insurance money if anything did happen to your house and personal properties!and you both must have copies of the agreement between the two of you! It owuld be a lot easier!

And if you two ended up getting married, no more would have to be on the insurance then!
No. Since you can't insure something you don't own, you can't insure his stuff - there are just some things that a woman does not own that are a man's!! How are you going to try to cover all of HIS clothes?
Anyway, he can get a tenants policy WITHOUT having an official rental agreement. It is cheap, usually under $200 per year depending on the contents limit and your area. He really only needs to have the minimal contents limit because if you own most of the furnishings and other contents in the house, he only really needs to cover his personal items. It is also important for him to have a tenants policy because of liability. If someone gets injured on the property & you get sued, both of you would be named in the suit and your policy will only cover you. It will not cover him & he would have to hire his own attorney to defend him and if you are both found liable, he would have to pay 50% of the award out of his pocket.
If your policy lists just you as the named insured - then your policy will not cover your boyfriend.

An insured under a homeowners policy is the named insured (you), their spouse (your not married- boyfriend won't qualify) or a resident relative (who is related to you by blood, marriage or adoption). If you do not fall under the above categories - then the policy does not cover you.

However, if you and your boyfriend are living together - you can contact your agent and have your boyfriend listed on the policy as an additional named insured - this would allow your policy to cover his belongings.

Or, you have your boyfriend get a renters policy.
Property of guests and boarders is covered with a small limit (usually $250). He is not an "insured" under the policy. You can either make him one by putting him on the policy, or have him get his own renter's policy. I would go with the renters policy. You never know what will happen between he and you. If you break up, and he's on the policy, then he would still be named and get payment. Also, in the event he turns weird on you, and causes damage to your house if you break up there would be no coverage because damages intentionally caused by an "insured" is not covered.