Free Cohabitation Agreement Template

Free template

4.7 (58 reviews)
All states
Updated May 10, 2024
~ 8 pages
PDF
4.9K downloads
A Cohabitation Agreement is a legal contract between unmarried partners that defines financial and property rights while living together. It is used by couples to clarify responsibilities, protect assets, and avoid disputes in case of separation.
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Written by Karyna Pukaniuk - Reviewed by Kate Adkham, LLB

What Is a Cohabitation Agreement?

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A cohabitation agreement is a legal document used by unmarried couples who live together to define their rights and responsibilities. It covers shared property, financial arrangements, and what happens if the relationship ends.

This type of agreement provides structure and clarity, especially in the absence of the legal protections that come with marriage.

When Do I Need a Cohabitation Agreement?

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You may need a cohabitation agreement if you are living with a partner and want to protect your finances and assets. It’s especially helpful when one partner owns property, you’re combining incomes or expenses, or you have children from previous relationships.

This document helps prevent misunderstandings and reduces the risk of legal disputes if the relationship ends.

What Should I Include in a Cohabitation Agreement?

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A thorough cohabitation agreement should outline:

  • Ownership of current and future property.

  • Division of household expenses and debts.

  • Handling of joint bank accounts or investments.

  • Rights to shared assets in case of separation.

  • Dispute resolution process.

  • Living arrangements and responsibilities.

  • Provisions for pets, insurance, or children (if applicable).

Including these items guarantees the agreement reflects your real-life living situation and legal intentions.

How Do I Fill Out a Cohabitation Agreement Template?

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To complete the cohabitation agreement:

  1. Start with full legal names and contact details for both partners.

  2. Describe shared and separate property.

  3. Set financial expectations for living costs, savings, or major purchases.

  4. Decide how property or debts will be divided if you break up.

  5. Add any personal terms (like pet care or privacy agreements).

  6. Sign and date the agreement — ideally in the presence of a notary.

Using a clear cohabitation agreement form helps ensure your agreement is fair, complete, and enforceable if needed.

Also read

Domestic Partnership vs. Marriage: What’s the Difference?
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