When purchasing your policy, APOLLO offers the ability to add a roommate to your policy.
However, it may be a good idea for each roommate to purchase their own policy to ensure they receive the appropriate coverage so that they can find a personalized solution that works for them. For example, you may have a roommate that will require higher limits to insure an expensive e-bike.
Similar to getting your own credit card to build a credit history, you'll also want to consider the importance of building up your own insurance history. This can help you get discounts on future insurance purchases, such as when you move to a new apartment, or insure a new condo.
With regards to your family, your tenant policy automatically covers common-law partners, spouses, and family members under your policy, provided they live in the insured residence. For non-common-law partners, such as a boyfriend or girlfriend, they need to be explicitly listed as a roommate on the policy for coverage eligibility.
Looking for more information? Read our article Are Roommates Covered by My Tenant Insurance Policy? for more information. Additionally, to confirm if your roommate is included in your policy, you can review your certificate of insurance, which lists covered parties explicitly.