Renter's Insurance: What coverages can my roommates have if they are added to the policy?

Question

I'm going to add one roommate to the renter's insurance because the other two refused to hand over their driver license number. My agent tells me only my property is covered and not the roommate's. I was wondering if they can be covered too for their own property protection, liability protection, and other protections. Like my limits now is 20,000/300,000 and I'm wondering if my roommate can also have their own 20K/300K protection under my name. Or must they get their own renter's insurance?

Answer 1

Talk it out with the insurance agent as he knows what his policy will cover.
differant insurances differant coverages