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Renters Insurance With Roommates

Updated November 1, 2021 . AmFam Team

Can you share a renters policy with your roommate? Get the details on renters insurance with roommates to make sure you and your shared apartment are fully protected.

If you’re renting and have a roommate, you may be wondering if they’re covered by your renters insurance policy. Typically, a roommate and their belongings aren’t covered by your policy, but there is an option available if you don’t both have your own renters insurance.

While it may not be the best idea for most renters, sharing a policy is an option. Before you sign that dotted line on a shared policy, however, it’s important to know what you’re getting into. Watch this short video, then keep reading for a guide that can help you understand the ins and outs of roommates and renters insurance.


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    Why Do I Need a Home Inventory?

    Whether you’re a homeowner or a renter, everyone can benefit from a home inventory!

    If you ever have to make a claim, a home inventory is a great asset to have, especially after stressful events like theft, storm damage or a fire (take a look at how one renter used their home inventory after facing an apartment fire).

    When you make a claim, you typically submit information on everything that was lost — which can be difficult to do off the top of your head for all your possessions. Remembering to replace your TV or computer are no-brainers, but when it comes to remembering each piece of jewelry in your jewelry box, things tend to get overlooked. Having a personal property inventory will help, along with knowing how to properly insure your jewelry.

    When you have your home inventory checklist, you know exactly what needs to be replaced, and you’ll have peace of mind knowing your entire household is protected.

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