Larger households are ordinary here, and a renters policy is written around a definition of who counts as insured. That definition is narrower than a household usually is.
A renters policy covers you and relatives living with you. Unrelated adults generally need their own.
Three things about who the policy actually covers.
A renters policy typically covers the named insured and relatives who live in the household. An unrelated adult sharing the home is usually not covered for their belongings or their liability, whatever the arrangement feels like. In a large or extended household that line is easy to cross without noticing.
The household shares a single liability limit. More covered people means more ways to reach it and no more cover behind it. Raising the limit is inexpensive and in a larger household it is the sensible adjustment.
A contents limit set from a default assumes a smaller household than this. Furniture, clothing and electronics for six people is not the same total as for two, and the limit rarely reflects it.
The household as the policy will read it.
It decides who is covered and who needs their own policy.
Defaults assume fewer people than this.
Shared across everyone covered, so worth raising.
Tell us how many people live there and how they are related to each other.
We size the policy for the household rather than a default of two.
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