The "Just Friends" Tax - Bill Layne Insurance Bill Layne Agency • Elkin, NC THE "JUST FRIENDS" TAX: Why Your Roommate is Your New Insurance Spouse! You swipe right on an apartment. You sign the lease. You split the WiFi bill. You think you are just roommates. The insurance companies think you are married. Welcome to one of the most misunderstood, scroll-stopping, jaw-dropping realities of the insurance world. At the Bill Layne Agency here in Elkin, we call it the "Just Friends Tax." It is the moment you realize that the person eating your leftover pizza might also be eating into your auto insurance premiums. In the eyes of an insurance carrier, a househo...