If the policy is in your name only, your spouse’s (married or common-law, living with you for 3 years, or 1 year if you have a child together) property and civil liability are covered.
However, if the person living with you does not correspond to this definition, their property and civil liability are not covered. The only protection your policy offers is for property belonging to a third party located on the premises only. Civil liability is not covered.
If you move in with your partner or best friends, that’s why it’s essential that each person’s name be written on the lease and the home insurance policy. To be safe, each person should make a list of their property and the amount of coverage needed.