Typically, homeowner insurance policies do not cover renters. Homeowner insurance is designed to protect the property and liability of the homeowner. If you are renting out a portion of your home to a tenant, it is recommended to consider getting a separate landlord insurance policy. Landlord insurance provides coverage for both the physical structure of the property and liability protection for the landlord. It can also provide coverage for loss of rental income in case the property becomes uninhabitable due to a covered loss. It's important to review your insurance policy or consult with an insurance specialist to understand the specific coverage and options available to you.