Does Each Person In An Apartment Need Renters Insurance? 
If you are referring to a room mate situation , then it would be wise for each person to have renter 's insurance . If a husband & wife , then it is not needed on each person . Insurance is based on an insurable interest . For example if I had a room mate , my room mate has no insurable interest in my stuff or my liability . There is one other option , the renter 's policy could be endorsed to insure the room mate as an additional insured . The room mate 's contents would not be covered , but at least the room mate would have liability coverage . -LRB- see some of my other answers regarding renter 's insurance -RRB- . 