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Do both renters need to buy insurance?
My best friend and I are moving into an apartment together next month and I’m so excited! We’ve started looking at renters policies, but I’m wondering if both of us need to buy renters insurance?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Living with your bestie is super exciting—congrats on the move!
To answer your question, unless your landlord requires renters insurance for the lease, neither roommate legally needs to purchase insurance.
But you should definitely consider purchasing
renters insurance
, no matter if it’s asked for or not! Roommates can sometimes buy a renters insurance policy together, but this is not always a great idea since claims and coverage can become complicated quickly. And not all states (or insurance providers) allow unrelated roommates to share one renters policy.
Whether you choose to purchase a policy with your roommate or alone, there are always ways to save money. The first step is to shop for insurance quotes from multiple insurers with
Jerry
.A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes and helps you switch plans. Even better—Jerry will help you
bundle your home and auto policies
for more savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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