Roommates and tenant insurance

Whether roommates can share a policy and why separate policies are often simpler.

Some insurers allow unrelated roommates on one policy, but many do not, and sharing can complicate claims because one shared limit must cover everyone's belongings and liability.

Separate policies keep each person's coverage, claims history, and deductible independent. If one roommate moves out, nobody else's coverage changes.

Spouses, domestic partners, and relatives who live with you are usually covered as household members.

Tell us how many people live in the unit and how they are related so the quote matches the household.

Coverage at a glance

Renters coverage parts
CoverageWhat it pays forTypical choice
Personal propertyFurniture, clothing, electronics, and other belongings after a covered loss, at home or awaySet to the replacement value of what you own
Personal liabilityInjury or property damage you cause to others, plus legal defense$100,000 minimum; $300,000+ common
Loss of useExtra hotel, meal, and living costs while your rental is unlivableOften a percentage of the property limit
Medical payments to othersA guest's minor medical bills, regardless of faultTypically a few thousand dollars

Commonly covered causes of loss

  • Fire and smoke
  • Lightning
  • Windstorm and hail
  • Explosion
  • Theft
  • Vandalism
  • Sudden water discharge from plumbing or appliances
  • Freezing of plumbing
  • Weight of ice and snow
  • Falling objects
  • Damage by vehicles
  • Riot or civil commotion

Commonly not covered

  • Flood and rising surface water
  • Earthquake and earth movement
  • Bedbugs, rodents, and insects
  • Wear, tear, and gradual leaks
  • The building itself (your landlord's policy)
  • Your car (an auto policy)

More guides

Tenant insurance by state