Would renters insurance provide coverage to a subletter?

Renters insurance policies are designed to cover the personal property and liability of the named insured or policyholder who signed the policy. A subletter who is not listed on the policy as a named insured would typically not be covered by the renters insurance policy. However, some insurance companies may offer options to extend coverage to subletters or additional occupants through an endorsement or add-on to the policy. This may require an additional premium and may have limitations on the type and amount of coverage provided. It's important for renters to review their insurance policy carefully and to communicate with their insurance company if they plan to sublet their apartment or share living spaces with roommates or other occupants. In some cases, the landlord or property management company may require all occupants to have renters insurance coverage, which can help to ensure that all parties are protected in the event of a loss. Additionally, it's important for renters to ensure that their subletter has their own liability coverage, either through their own renters insurance policy or through another form of insurance such as a personal liability umbrella policy. This can help to protect both the subletter and the primary renter in the event of a liability claim related to the rental property.