It depends on the company you go with. Assuming your landlord allows pets, most companies will not raise your rates for having a dog. There are some exceptions with some companies, however. Some breeds like Pit Bulls, Rottweiler’s, German Shepherds and Dobermans have been considered higher risks of liability, therefore some companies will charge higher rates if you own one of those breeds.

There isn’t a legal definition for “roommate.” The person who needs to have a renter’s policy is the person whose name is on the lease and who has personal property on the premises. The personal property of a “roommate” is not covered by the policy although it is difficult to establish who owns what. The only person who must have the liability protection is the person on the lease.

Renters insurance cannot be transferred, because the rates are based on the individual and the property covered. Renters insurance covers only the named

insured and direct family members residing with the named insured. If you have a roommate situation then each roommate should have their own renter’s insurance policy. When you get a rate for insurance coverage it takes into account many factors which make insurance coverage non-transferable.

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