As more couples choose to build a life together without getting married, cohabitation has become a common and practical choice. Living together can feel natural, economical, and convenient—but without legal protections in place, it can also open the door to disputes, financial confusion, and unexpected risks if the relationship changes. Establishing a clear, legally sound understanding from the outset can prevent conflict later, and that’s where a cohabitation agreement becomes invaluable.
At Jeffrey Orr Law, we help couples create customized agreements that protect their rights, define expectations, and provide peace of mind—so you can focus on building a secure future together.
What Is a Cohabitation Agreement?
A Cohabitation Agreement is a legally enforceable contract between two individuals who live together in a romantic or committed relationship but are not married. This contract sets clear expectations about finances, assets, responsibilities, and what happens if the relationship ends. It is one of the most effective ways for unmarried couples to avoid disputes and protect their interests.
A comprehensive Cohabitation Agreement typically outlines:
- How rent or mortgage payments will be shared
- Division of utilities and household costs
- Ownership of property acquired before or during the relationship
- What happens to jointly purchased items
- Responsibility for debts
- Expectations regarding pets
- Plans for relocation or major financial decisions
- What occurs if one partner wants to end the living arrangement
This level of clarity helps couples prevent misunderstandings, reduce tension, and ensure that both parties know exactly where they stand.
Why Couples Need a Cohabitation Agreement
Many couples assume that living together without marriage means fewer legal complications—but the opposite is often true. Without a formal agreement, the law may not recognize verbal promises, shared investments, or personal contributions.
A cohabitation agreement protects you in several essential ways:
1. It Prevents Financial Disputes
Money is one of the leading causes of conflict. A written agreement details who pays for what, how expenses are handled, and how major purchases will be owned.
2. It Protects Your Property
If one partner brings substantial assets, a home, or valuable belongings into the relationship, this agreement ensures they remain protected.
3. It Safeguards Both Partners if the Relationship Ends
Breakups can be emotionally difficult, but legal battles make them worse. A cohabitation agreement outlines what happens to property, shared accounts, or joint purchases, reducing stress and uncertainty.
4. It Establishes Expectations
From daily responsibilities to large decisions, putting expectations in writing helps couples avoid miscommunication.
5. It Creates Stability and Peace of Mind
Knowing your rights and financial boundaries creates a stronger, clearer foundation for your life together.
Who Should Consider a Cohabitation Agreement?
This type of agreement is ideal for:
- Couples moving in together for the first time
- Partners purchasing a home together
- Individuals contributing unequal financial resources
- Couples not planning to marry
- Anyone who wants legal clarity and protection
Whether you’re combining finances or simply sharing a space, a cohabitation agreement gives both partners security and transparency.
Why Work with Jeffrey Orr Law?
Every relationship is unique—and your agreement should be too. At Jeffrey Orr Law, we create personalized, legally enforceable cohabitation agreements tailored to your lifestyle, goals, and financial arrangements. Our experience helps couples address issues they may not even think to consider, ensuring no detail is overlooked.
We focus on fairness, clarity, and long-term protection so both partners feel secure moving forward.
Schedule a Consultation and Protect Your Future
Preparing a cohabitation agreement is one of the most responsible steps you can take before moving in together. It protects your rights, clarifies expectations, and strengthens your relationship with honesty and transparency.
Ready to safeguard your future?
Visit Jeffrey Orr Law – Cohabitation Agreements to learn more or schedule a consultation today.