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Can you backdate renters insurance?
There was a small fire in my apartment while I was out of town. Some of my belongings were destroyed. I had been meaning to purchase renters insurance for months, but unfortunately, I never got around to it. Is it possible to backdate renters insurance?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the fire and damaged property, but I’m relieved to know you weren’t hurt!
In most situations, you cannot backdate renters insurance. Getting insurance after a covered incident to file a claim is considered fraud, which is why providers typically refuse to backdate coverage.
Occasionally, an insurance company will backdate a policy, but only if no claims are filed, or there was an error on their end. For example, if you requested your policy to start on a particular day and the agent entered the incorrect date.
I’m sorry you won’t have coverage for the damage, but if you’d like help finding
renters insurance
now to cover any damage in the future, consider using the Jerry
app.After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
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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