Does My Homeowners Insurance Cover Renters? 
If you are renting a room in the house that you occupy , a homeowner 's policy would not provide coverage for the personal property of the renter . It would not provide liability coverage for the renter either . If a loss occurs caused by a covered peril the structure would be repaired and your property would be indemnified -LRB- big important word -RRB- but the property of your renter would not . 