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Roost Renters Insurance: Rates & More

I just moved into a new apartment managed by a property manager who uses Appfolio. She says that I should seriously consider getting Roost renters insurance through Appfolio. What do you know about this? And how much is Roost renters insurance?

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Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Because Roost doesn’t publish their rates, I can’t tell you what they charge. Rates depend on a number of factors, including where your new apartment is located. However, the average annual cost of renters insurance in the United States is about $170, which should give you a ballpark idea.
Based upon customer reviews and other analysis, here are some pros and cons to a Roost renters policy:
Pros:
  • You get replacement cash value coverage (RCV). This means that should you file a claim, Roost will cut you a check to purchase new items to replace the ones you’ve lost to fire, burglary, or other covered perils. (Actual cash value (ACV) coverage, on the other hand, means you receive money only for the depreciated value of your damaged or stolen property.)
  • You can add your roommate to the policy. Many renters insurance policies don’t cover roommates, so this is a great bonus as well.
Cons:
  • You can’t bundle your renters and car insurance for a discount.
  • Some customers have complained about not finding necessary information on the Roost website. If you think this will be an issue, get on the website and click around.
As with any other financial decision, do your homework before taking out an insurance policy with Roost or any other company.
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