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Does renters insurance cover all occupants?
My friends and I are getting an apartment together for college, and our landlord is requiring us to get renters insurance. This is the first time I’ll be living with roommates, so I don’t really know how this stuff works. Does renters insurance cover all occupants?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your renters insurance policy will cover you and any relatives who live in your household. However, your renters insurance policy won’t automatically cover your other roommates; they’ll either need to get their own policy or be added to yours.
It’s generally recommended that roommates should get their own renters insurance policies. When you’re on only one policy, your coverage limits will be split among all of you, which could end up leaving you underinsured.
Another perk of each
roommate
getting their own renters insurance
is that each person can choose a provider and policy that they feel best meets their own needs.As you start looking for renters insurance,
Jerry
can make things easier by helping you find and compare quotes from top insurance providers. You can even bundle with your car insurance for further savings. If you have further questions as you look for renters insurance, Jerry’s team of friendly and experienced agents are happy to help you.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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