Your rental may be covered depending on your policy coverages and the circumstances of your claim. (progressivecommercial.com)
If you have a covered loss that keeps you from using the apartment, loss of use coverage on your policy pays for that hotel. (effectivecoverage.com)
Once again, if the roommate is not listed on the policy in some fashion and the proper premium paid if applicable, the roommate has no coverage at all under the policy. (effectivecoverage.com)