1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    More than likely not. Insurance policy's are written for a specific person (and ther immediate family member living in the same residence). Transfering a coverage from one insured to another is virtually impossible and have the policy premium be proper for the risk that the carrier assumes for the risk.
    Answered on June 1, 2013
  2. 900 POINTS
    Frank Lombard CPCU ARM
    Insurance Advisor, Massachusetts
    Renter(Tenant-Homeowner) type policies cover the personal property, additional living expense and personal liability of the person(s) named as insured on the policy. The spouse and/or relatives residing with the named insured are often considered insureds even though not named.

    Therefore if I understand the question correctly, sub-letters would not be considered "insureds" on a renter's policy and would have to (and should)  secure their own coverage.
    Answered on January 2, 2014
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