Can roommates split renters insurance?

I'm about to move into an apartment that will be shared with a roommate. Can we split renters insurance?

Answer

Roommates can split renters insurance as long as both people are listed on the policy as a named insured. If there are residents living in the home but not listed on the policy, they may not be covered under the renters insurance if there is ever a loss or a claim made.

For more information on this topic, check out this article: How to Decide if You Should Share Renters Insurance with a Roommate.

Alexah Grinnell

Answered on Mar 08, 2021

Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

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Can my live-in partner’s renters insurance cover my belongings?

"I'm moving in with my partner soon. He told me to get my own renters insurance for my property, but I was thinking, can't he just take out a larger renters policy to cover my things as well? And then we could split the bill. Or would this be considered fraud? "

Alexah Grinnell

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Does Renters Insurance Cover Funeral Expenses?

If someone dies in your apartment or other rental property, will your renters insurance cover the cost of the funeral?

How to Decide if You Should Share Renters Insurance with a Roommate

You can share renters insurance with a roommate, but is this a good idea? This article can help you come to an answer.

Will Your Renters Insurance Go up if You File a Claim?

If you need to file a claim with your renters insurance, will it impact future policy rates?

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