Does Homeowners Insurance Cover Other People'S Belongings? 
If the property is in your care custody and control then it would be covered . For example , if you borrow someones musical instrument and you have a fire , that item would be covered . If you have a family member living with you and they have belongings in your home , they would be covered . If however you are renting an apartment or room in your home , that persons property may not be covered . 