At the moment you can't add other people on to your policy. So, if you flat-share you will be able to insure your stuff, shared stuff but not their stuff.
We haven't yet built the function that allows you to add another policyholder. This means that you have to be the one to handle claim(s) and you can only insure items that you own or part own.
In summary you can't add anything that you don't have a financial interest in.
We’re working on having linked accounts so that family, flatmates etc. can have all the benefits of being a joint named insured on the policy. But. In the meantime, we recommend that you insure all communal items that you contributed to or own and your flat mate(s) can buy a policy for their stuff too 😁