<prompt> Human: Or rather they would, but my rates would double since my roommate doesnt live in an... enclosed dwelling inside my house, but rather shares the house with me.I was also told to inform my existing insurance company that I have a roommatetenant and that they would either drop me or more likely since Ive been with them for 5 years slightly raise my rates. However, it was indicated to me that they might not want to deal with me either and I might have to go looking elsewhere and might have to put up with paying double of what Im paying now.So.. what gives? Ive known my friend for 20 years and hes living out of one of my bedrooms.. Just because were not related by blood or married my insurance can double? Can I get some advice please?I should also mention that 3 years ago my basement flooded faulty toilet and insurance stepped in no problem. I had a roommate at the time. They didnt seem to care. Im not sure whats going on.Im in Canada if it isnt obvious in the title, and apologize in advance if Ive posted this in the wrong place. This might affect my relationship with my roommate.. in that I might have to charge him 100 more to live here. But maybe somebody here knows a trick or some sort of a way to get around all this and save some money?Assistant: I was told by a company that they wont insure when theres multiple people living in the same house that arent relatedspouses. I think the explanation was that you obviously cant account for your roommates actions or who they let in the house. Human: Thats essentially what I was told.Do I have to marry my roommate, then? Were not gay, but we could totally pretend to be, I guess. I am not making out with him to save on insurance though  <response>: I think a quick game of just the tip would convince them. 