My girlfriend is going to college for the next 4 years and her parents just bought her a condo to stay in while she is at school. I will be staying in it with her, and there is a room for her parents to stay in when they are in town, which they intent to use semi-frequently. My girlfriend and I will be responsible for paying her parents a monthly rent that is roughly equivalent to the cost of the mortgage and HOA fees. The home owners association that the condo belongs to does not allow renters, so we will be staying there without an official rental contract. The HOA requires a list of who will be staying in the condo, and all 4 of our names will be listed. In the past when I was renting apartments, I would get renters insurance to insure my belongs. Now that we are going to be staying in the condo with a sort-of informal arrangement, I am unsure what my options to insure my belongings are.
Am I still able to obtain renters insurance even though I am not technically renting, or do I need to go another route? I only have a few expensive things that I am worried about getting stolen (laptop, guitar, etc.), but I'd rather be safe than sorry when it comes to insuring my things.