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You've found a place to live, now make sure everything else is covered. RentProtect and Lemonade offer affordable, flexible renters insurance available for renters or people living with roommates, with separate coverage for each person.
Get insured in minutes with a quick, user-friendly process.
Flexible options starting as low as $5/month.
Covers theft, fire, water damage, liability, and more.
Manage everything online, from quotes to claims.
Getting renter's insurance is a simple way to protect yourself and your belongings when living in someone else's home. The homeowner's insurance usually only covers the owner's property, not yours, but a renter's policy ensures your items are covered and provides liability protection if an accident happens. Many landlords now require it because it helps everyone feel secure and keeps responsibilities clear, giving you peace of mind while you focus on enjoying your home.
Homeowners renting out space should require their roommates to carry renter's insurance, since a homeowner's policy usually does not cover a tenant's personal property or liability. Renter's insurance protects the roommate's belongings and provides coverage if they accidentally cause damage or injury, while helping the homeowner avoid claims on their own policy. That is why most landlords today require tenants to have their own renter's insurance, as it is an easy and affordable way to ensure everyone is properly protected.
Typically, yes. A standard renters insurance policy covers only the named policyholder unless roommates are listed on the same policy. That means all roommates should have insurance if they want independent protection.
Some companies allow multiple roommates to be listed on one policy, but rules vary by insurer. Even so, individual policies are often simpler and ensure each person's belongings are covered without complication.
Not unless they are named on your policy. Separate policies or individual coverage for each roommate is generally required.
Renters insurance is generally affordable, and plans through our partner can start at about $5 per month, depending on your location and chosen coverage level.
No, RentProtect is available for anyone seeking renters insurance.