If I'm an adult living with my parents, do I need renters insurance?

Answered by Home Insurance, Car Insurance Expert Savannah on April 7, 2021

"I'm 25 years old, I'm no longer a student, and I pay rent while living with my parents. Do I need renters insurance to protect my things, or am I covered under my parents' homeowners policy? "

expert avatar

Savannah

Home Insurance, Car Insurance Expert

“Some home insurance policies may extend coverage to resident relatives. But in most cases, it is still a better idea to have your own coverage.

In the event of a loss, your parents’ home insurance only has a limited amount of coverage for personal property. Chances are they will want to use their coverage for bigger-ticket items like furniture and their own belongings, since they pay for the policy.

To ensure that everyone has enough personal property coverage, it would be better for you to have your own renters insurance. “


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