By default, a renter’s insurance policy only covers the policyholder’s possessions. A home insurance policy will cover possessions for everyone in the home and, in some instances, even the possessions of short-term visitors. But a renters policy in Boise, ID only applies to the person holding the policy.
That said, you can list roommates on your policy. If a pair of roommates want to go in on a renters policy together, that’s certainly an option. There will need to be a primary policyholder, but they can list their roommate, and divide the premiums between the two of them.
This arrangement might not always be logical, however. It doesn’t take much work to add someone to a policy or to have them removed from a policy, but remember that the nature of a roommate situation is, almost by definition, temporary. It’s not unusual to rent a room out to someone only to have them leave without notice halfway through the next month. Even longtime friends and family members may only need a place to stay for a few weeks, in which case it might be a little more hassle than it’s worth to get them covered on your renter’s policy when they might not even stay long enough to move all of their stuff in the first place.
If you have an ongoing arrangement with a roommate in Boise, ID, there’s no reason not to split the bill from Fuhriman Insurance Agency, but exercise some caution when agreeing to such an arrangement. If you’re still shopping around, give Fuhriman Insurance Agency a call and see what they can do for you in your new apartment.