<prompt> Human: Ive had an interesting scenario arise recently in my house and I was wondering if this sub could weigh in and help me out. There are five of use living in a house, we all pay an equal share of rent and utilities. Yesterday one of my roommates tells us he has a renters insurance policy and that we all owe him for the past months hes paid it. I have a policy myself, but my understanding is that it covers only my possessions in the event that my belongings are destroyed. I feel like his policy is probably along the same lines and hes trying to scam us into paying his insurance for him, but I dont know enough about renters insurance to be sure. Any thoughts would be much appreciated.  <response>: As far as I know most people only have renters insurance for themselves, not their roommates. That said, coverage can vary and be applied to multiple people. But, this would be something your roommate discusses with you as to whether or not you want that. There are a few other considerations like sharing insurance claims say something of his is damaged and he files a claim, it goes on your record too or one person moving out before the other. He cant just demand money from you without a discussion. 