I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance? 
Yes you would need to have all 3 occupants have their own insurance policy unless the insurance company would be willing to write all 3 of you as a named insured on the policy . If all 3 of you are listed as a `` named insured '' than coverage would be provided for all 3 named insureds . 