{"id":20724,"date":"2026-03-11T08:32:57","date_gmt":"2026-03-11T12:32:57","guid":{"rendered":"https:\/\/www.groupevezina.com\/?p=20724"},"modified":"2026-03-11T08:41:40","modified_gmt":"2026-03-11T12:41:40","slug":"cohabitation-and-shared-accommodation-who-needs-to-be-insured","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/cohabitation-and-shared-accommodation-who-needs-to-be-insured\/","title":{"rendered":"Cohabitation and shared accommodation: who needs to be insured?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20724\" class=\"elementor elementor-20724 elementor-20720\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e844ac6 e-flex e-con-boxed e-con e-parent\" data-id=\"e844ac6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40a1759a elementor-widget elementor-widget-text-editor\" data-id=\"40a1759a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shared housing and cohabitation have become increasingly common in Quebec. Students, young professionals, couples, friends, and family members often choose to share a home for financial reasons&#8230; or simply for the pleasure of living together.<\/strong><\/p>\n<p>But when it comes to home insurance, the question quickly arises: who should be insured? The answer seems simple, but there are some nuances that need to be understood.<\/p>\n<h4>Roommates: each with their own insurance<\/h4>\n<p>In a typical roommate situation\u2014for example, when two or three people rent an apartment together\u2014<strong>each roommate should normally have their own renter&#8217;s insurance.<\/strong><\/p>\n<p>Why? Because home insurance mainly covers <strong>personal property and civil liability<\/strong>.<\/p>\n<p>In practical terms, this means that:<\/p>\n<ul>\n<li>A roommate&#8217;s furniture, clothing, electronic devices, and other personal belongings are <strong>not covered by another roommate&#8217;s policy.<\/strong><\/li>\n<li>If a roommate accidentally causes water damage or a fire, <strong>they could be held liable<\/strong>.<\/li>\n<li>Without personal insurance, a roommate could be responsible <strong>for very high costs<\/strong>.<\/li>\n<\/ul>\n<p>In short, sharing a home does not automatically mean sharing insurance coverage.<\/p>\n<h4>Cohabitation: a single policy may be sufficient<\/h4>\n<p>In the case of cohabitation, for example a couple living together, the situation may be different.<\/p>\n<p>Several insurers allow <strong>both spouses to be listed on the same home insurance policy<\/strong>.<\/p>\n<p>In this case:<\/p>\n<ul>\n<li>The property of both individuals may be covered.<\/li>\n<li>Civil liability generally applies to both insured parties.<\/li>\n<li>Coverage is often easier to manage.<\/li>\n<\/ul>\n<p>However, it is important that <strong>both individuals are clearly identified in the policy<\/strong>. If only one person is insured, the other may not benefit from the same coverage.<\/p>\n<h4>The special case of landlords<\/h4>\n<p>Landlords who rent out a room or apartment in their residence should also exercise caution.<\/p>\n<p>Even if the landlord is insured, <strong>the tenant should have their own renter&#8217;s insurance to cover <\/strong>:<\/p>\n<ul>\n<li>their personal property;<\/li>\n<li>their civil liability;<\/li>\n<li>their relocation expenses in the event of a disaster.<\/li>\n<\/ul>\n<p>This protection avoids many complications if an incident occurs.<\/p>\n<h4>A simple discussion can avoid many surprises<\/h4>\n<p>In many cases, roommates or people who live together <strong>don&#8217;t take the time to check their insurance coverage<\/strong>. However, a simple call to a broker can help you:<\/p>\n<ul>\n<li>verify who is actually covered;<\/li>\n<li>adjust the policy if necessary;<\/li>\n<li>avoid gray areas in the event of a loss.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>When sharing a home, it&#8217;s essential to understand that <strong>insurance coverage is not automatically shared<\/strong>.<\/p>\n<p><strong>Roommates<\/strong>: Each person should have their own renter&#8217;s insurance.<br \/><strong>Cohabitants<\/strong>: A joint policy may be possible if both people are insured.<br \/><strong>Landlord and tenant<\/strong>: Each person must generally have their own coverage.<\/p>\n<p><strong>Contact one of our brokers<\/strong> who can help clarify the situation and ensure that everyone is adequately protected. <strong>1 800 363-6880<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Shared housing and cohabitation have become increasingly common in Quebec. Students, young professionals, couples, friends, and family members often choose to share a home for financial reasons&#8230; or simply for the pleasure of living together. But when it comes to home insurance, the question quickly arises: who should be insured? The answer seems simple, but [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":20726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[14],"tags":[357,404,405,329,365,395],"class_list":["post-20724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-habitation","tag-assurance-dommage-en","tag-cohabitation","tag-colocation","tag-home-insurance-en","tag-responsabilite-en","tag-responsabilite-civile-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/20724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/comments?post=20724"}],"version-history":[{"count":9,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/20724\/revisions"}],"predecessor-version":[{"id":20738,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/20724\/revisions\/20738"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media\/20726"}],"wp:attachment":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media?parent=20724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/categories?post=20724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/tags?post=20724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}