Before you sublet a room in your apartment, it’s important to grant the leasing office permission to do so. Read your original lease with the leasing office carefully and check if there’s any requirement or prohibition against subletting your apartment.
The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.