Currently, you need to own and occupy your own home to get Hiro. You can’t get Hiro yet if you’re a renter, or a landlord. So if you own a property and happen to share it with friends, you’re fine - under Hiro policies, friends that live with you count as family anyway.
If you’re renting a place with friends, or you own it but sub-let part of it, then you’re a renter or a landlord and we can’t insure you yet. Watch this space!