If you didn't cause the loss, your insurance shouldn't be affected. Your insurer also might not renew if you file several claims within a short time. If you're a full-time college student and part of your parents' household, their homeowners or renters insurance might give you limited coverage in the dorm, but not if you live off campus. Regulations differ from state to state, and policies might also differ by company. Find out what regulations apply in your state, then shop around to find a company to suit your needs.
Some insurance companies allow unmarried couples living together to obtain joint coverage.
But a domestic partner is usually not automatically insured like a husband or wife under the partner's policy. He or she must be specifically named. Provide all the documentation the company requested. Talk things over with your agent or company representative. Also, your state insurance department or local consumer protection office can answer questions on filing claims, and take complaints.