Do I Need a Non-owner Policy? (California)

(California) I rent a room from a couple and they have 4 cars which I occasionally drive to run an errand or take one of their kids to school. The cars are all insured by them and they say their insurance is some kind of family plan and AAA will not allow them to add me to the policy.



They tell me I should get a non-owner policy because their policy would not cover me if I got in an accident while driving their vehicle but I am confused because when I looked up non-owner policies online it says it is not meant for cars in the same household you live in and would not cover me in case of an

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