What is a cohabitation agreement?

A cohabitation agreement, also known as a living together agreement, is a legally binding contract between unmarried partners who live together or plan to do so. This legal document outlines how you will manage property, assets, debts and support during the relationship and after a separation.

Unlike married couples who have automatic property rights under BC’s Family Law Act, unmarried couples have fewer inherent protections. A well-drafted cohabitation agreement fills this gap by clearly defining each partner’s rights and responsibilities.

Who needs a living together agreement?

Before becoming common-law partners: In British Columbia, certain legal rights apply after living together for two years

Before moving in together: Start your life together with clear expectations

Early in your cohabitation: It’s never too late to create an agreement

When significant financial changes occur: Such as purchasing property or starting a business

When to create a cohabitation agreement

Anyone wanting to avoid potential disputes if the relationship ends

Couples moving in together for the first time

Partners bringing significant assets into the relationship

Individuals with business interests or investments

People who have children from previous relationships

Those who want clarity about financial responsibilities while living together

Why create a cohabitation contract?

Protection of pre-existing assets

Clarify which assets remain individual property

Clear expectations

Define financial responsibilities during the relationship

Simplified separation

Establish a framework for division if the relationship ends

Reduced conflict

Minimize disputes with predetermined arrangements

Peace of mind

Move forward in your relationship with confidence

Cost savings

Avoid expensive litigation if separation occurs

Frequently asked questions 

Is a cohabitation agreement the same as a prenuptial agreement?

A cohabitation agreement is for unmarried couples living together, while a prenuptial agreement is for those planning to marry. If cohabiting partners marry, they can convert their cohabitation agreement into a marriage agreement.

Can we write our own cohabitation agreement?

Though technically possible, self-drafted agreements often lack essential elements that make them legally enforceable. Professional legal guidance ensures your agreement will be valid if challenged in court.

How much does a cohabitation agreement cost?

The investment in a professionally drafted agreement typically ranges from $XXXX to $XXXX, depending on complexity. This is significantly less than potential litigation costs if disputes arise without an agreement in place.

Can you change a cohab agreement?

Yes, you can and should update your agreement as your circumstances change. Major life events like having children, purchasing property or career changes often warrant revisions to your original agreement.