I have 2 models, namely user and userprofile. There is a one-to-one relationship between user and userprofile.
Having just a belongs_to relationship between userprofiles and user does default to has_one. However, it would be wise (Rails-proper) to specify the association on both models.
After all, if you wanted a has_many association (etc) you would want to specify that.
Check out http://guides.rubyonrails.org/association_basics.html for more info