Does Renters Insurance Cover Subletters? 
Renter -LRB- Tenant-Homeowner -RRB- type policies cover the personal property , additional living expense and personal liability of the person -LRB- s -RRB- named as insured on the policy . The spouse and/or relatives residing with the named insured are often considered insureds even though not named . Therefore if I understand the question correctly , sub-letters would not be considered `` insureds '' on a renter 's policy and would have to -LRB- and should -RRB- secure their own coverage . 