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Does renters insurance have to be in your name?
My friend just moved into a spare bedroom in my apartment. She asked me if her stuff is covered under my renters insurance. Does renters insurance have to be in your name?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, your roommate needs to be named in the policy to have coverage. Rather than adding her to your policy, however, ask your friend to take out her own renters insurance. Why? Should your roommate file a claim, it will affect you as the policy holder. In the future, your car insurance or
homeowners insurance
rates may be impacted negatively by her claim.Spouses and relatives are typically covered automatically by renters insurance policies. If your brother, for example, was moving in with you instead of your friend, you might not have to list him. But the same risk remains—if his action causes a claim to be filed, you’d be stuck with the consequences as the policyholder. So, even if a roommate is a relative, they should likely take out a separate policy.
Unclear about who and what is covered by renters insurance? Rely on
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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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