In most cases, a roommate who isn’t related to the named insured won’t be covered under a standard homeowners insurance policy. Even significant others who aren’t legally married to the named insured may need to be added to a homeowners insurance policy as an additional insured, and the same goes for permanent roommates who aren’t relatives.If you’re a renter and your roommate is the homeowner with a home insurance policy, you would purchase renter’s insurance.