Co-Habitation Agreements: Not Just for Roommates!

Moving in with a boyfriend, girlfriend, or partner is an exciting step, but it also brings legal and financial considerations that many couples overlook. As an attorney, I often see clients enter shared living arrangements without a clear plan—then face disputes over finances, property, or responsibilities. A cohabitation or roommate agreement is a practical tool to set expectations, reduce conflict, and protect both parties.

Stay friends now and after living together.

Why You Need a Cohabitation Agreement

Even in loving relationships, shared living can lead to misunderstandings. A cohabitation agreement clearly defines each party’s rights and responsibilities regarding finances, property, and household duties. This is not just for wealthy couples—any couple or partner living together can benefit from a written agreement. Relying only on adding someone as an occupant or co-occupant to a lease isn't enough. What happens when one person loses their job, get's sick, or can't work? You need clear responsibilities and rights specified in a binding agreement.

Key Components of a Cohabitation Agreement

A well-drafted agreement covers the essentials while remaining flexible and fair:

• Financial Responsibilities: Rent, utilities, shared expenses, and security deposits.

• Property & Personal Belongings: Ownership of furniture, electronics, and valuables; rules for sharing or replacing items.

• Household Duties & Lifestyle: Cleaning, chores, quiet hours, and guest policies.

• Conflict Resolution: Methods for resolving disputes before they escalate, including mediation or arbitration.

• Exit Planning: Guidelines if one partner decides to move out, including notice periods and financial settlements.

  

  Love can cloud your judgement - don't get stuck with bills you never agreed to.

Benefits from a Legal Perspective

• Prevent Disputes: A written agreement reduces misunderstandings and provides clarity.

• Protect Assets: Clearly defines ownership of property, financial contributions, and investments.

• Ensure Legal Enforceability: A properly drafted agreement can be enforceable in court if disputes arise.

• Peace of Mind: You can focus on the relationship, not potential legal conflicts.

Attorney Tips

• Always put the agreement in writing and have both parties sign.

• Customize the agreement to your unique situation—avoid generic templates. Dont rely on ChatGPT or GROK. I've seen too many issues with both of these types of agreements and trust me when I say, "A little investment upfront will save you thousands later!"

Bottom Line:A cohabitation agreement is not just a legal document—it’s a tool for communication, clarity, and protection. Couples or friends who plan ahead with an attorney can enjoy shared living arrangements with confidence, knowing that both their relationship and their assets are protected.