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Do both tenants need renters insurance?
I recently moved in with a roommate. Our landlord is requesting we have a renters insurance policy. I’m not sure if that means we both need one or just a policy in general. Do both roommates need renters insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on moving in! While you’ll need to speak with your landlord about their requirements for your
renters insurance policy
, it’s usually a personal decision whether both roommates need renters insurance. If your landlord requires that only one person maintains a renters policy for the apartment, you both won’t need renters insurance. That said, whoever is the policyholder will only have coverage for their own personal property. A renters policy won’t cover both of your belongings from damage unless you both have insurance or are on the policy.
While it may not be a requirement, it’s typically recommended that each roommate maintain their own policy. Renters policies typically only cost $6 to $30 a month for at least $20,000 of protection for your personal property, often making it well worth the cost.
If you’re interested in exploring your options for renters insurance, use
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes and helps you switch plans. If you have a question about your coverage, Jerry’s experienced and friendly team of agents are here to answer your questions and provide advice.View full answer
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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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