Cohabitation Agreement Template: Property, Expenses & Exit

COHABITATION AGREEMENT FAQ

What is a Cohabitation Agreement?

A Cohabitation Agreement is a contract between unmarried partners who live together that sets out how they will manage property, income, expenses, and debts during the relationship and how assets and responsibilities will be handled if they separate or one partner dies.

Why is a Cohabitation Agreement important?

It reduces conflict by clarifying expectations, protects individual and shared assets, and provides a roadmap for resolving disputes. It can also document intentions around contributions, household roles, and support, which courts may consider if disagreements arise.

When should you use a Cohabitation Agreement?

Use it before moving in together or any time partners want to formalize financial and property arrangements, especially when purchasing property, sharing major expenses, or when one partner contributes more significantly to rent, mortgage, or improvements.

What should a Cohabitation Agreement include?

It should define separate vs. joint property, contributions to housing and living costs, bank account and debt management, ownership of major purchases, dispute resolution, and terms for separation (division of assets, buyout/exit process, timelines, and relocation). It may also address estate planning intentions.

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