I would have her get a separate renters insurance policy.

There are a number of benefits to this. The cost of renters insurance is very reasonable, deductibles are usually much less, and it won’t impact your homeowners insurance rates for small claims through renters insurance. You would never want to make a claim for a $1500 stolen bicycle on your homeowners insurance (and risk cost prohibitive rate increases and have to pay a 1k+ deductible), but for $120 a year in premiums and a $100 deductible your girlfriend/tenant could it her bike replaced under her renters insurance. Little claims that that can more than make it worth her carrying her own coverage.