At Roommates.com, we’re here to help you find the right roommate and settle into your ideal living situation. Now, we’re taking another step to help you feel secure once you’ve found that perfect match.

We’ve partnered with RentProtect and Lemonade to make affordable, flexible renters insurance available directly through Roommates.com. Thanks to our new partnership, you can now get a quote and buy renters insurance quickly through Roommates.com. It’s 100% online, affordable, and easy to manage–with plans starting at only $5 per month.

So, whether you’re just starting your roommate search or ready to move in, renters insurance through RentProtect offers peace of mind and essential protection for you and your belongings.

What Is Renters Insurance?

Renters insurance protects your stuff and covers you if something goes wrong while you're renting a home or apartment.

Unlike a landlord’s policy, which covers the building itself, renters insurance covers your personal property and responsibilities as a tenant.

Thanks to our new partnership, you can now get a quote and purchase renters insurance quickly through Roommates.com. The process is 100% digital, affordable, and simple to manage.

Who Is Renters Insurance For?

This insurance is ideal for:

1. Roommates moving in together who want individual protection
2. Renters who want to protect their belongings in a shared home
3. Students, young professionals, and anyone renting with others
4. Tenants whose landlord or lease requires insurance

Rental Insurance is available to each individual living in a rental property, and each roommate can get coverage tailored to their needs.

Why You Need It

Your landlord's insurance covers the building. Renters insurance covers you and your belongings.

Your landlord's insurance won't cover your stuff in the event of theft, flood, fire, or other unexpected accident. Their insurance covers only the building—walls, roof, and floors. It doesn't cover anything you own.

If there's a fire, flood, or break-in, your landlord's insurance will cover the cost of repairing the building. But you'll have to pay to replace your furniture, TV, computer, clothes, and everything else you own.

Without renters insurance, you could lose thousands of dollars with no way to recover them.

What Does It Cover?

RentProtect renters insurance offers protection for several important areas:

Personal Belongings

Your items, including clothing, furniture, electronics, and other belongings, are covered for losses from fire, theft, water damage, and vandalism.

Personal Liability

If someone is injured in your rental home or if you accidentally damage someone else’s property, renters insurance can help cover legal costs and medical expenses.

Additional Living Expenses

If your home becomes uninhabitable due to a covered event (such as a fire), your policy may help cover temporary housing and related expenses.

Because this coverage is separate from a landlord’s policy, it ensures your personal financial protection rather than relying on someone else’s insurance.

Why Use RentProtect?

You’ve found the right roommate. Now make sure everything else is covered.

RentProtect Offers:

✅ Fast Coverage

Get insured in minutes with a quick, user-friendly online process.

✅ Affordable Plans

Flexible options starting as low as $5 per month.

✅ Comprehensive Protection

Coverage for theft, fire, water damage, liability, and more.

✅ 100% Digital

Manage everything online, from quotes to claims.

When Do You Need Renters Insurance?

Before You Move In

Purchasing renters insurance before move-in day is smart because it ensures protection starts as soon as you take possession of the space. Many landlords require proof of insurance upon lease signing.

When You Sign a Lease

If your lease requires insurance, securing your policy early prevents surprises later.

Anytime You Acquire New Belongings

Even if you didn’t set up coverage at move-in, consider adding it as soon as you own valuable items such as electronics, furniture, or instruments.

Frequently Asked Questions

Q: Do roommates need their own renters insurance?

A: 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.

Q: Can roommates share a single policy?

A: 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.

Q: Does renters insurance cover a roommate’s belongings?

A: Not unless they are named on your policy. Separate policies or individual coverage for each roommate is generally required.

Q: Is renters insurance expensive?

A: 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.

Q: Is RentProtect only for Roommates.com users?

A: No, RentProtect is available for anyone seeking renters insurance.

Finding the right roommate is a big step, and coverage shouldn’t be an afterthought. Renters insurance protects what’s important, gives you peace of mind, and helps avoid financial stress from unexpected events or accidents. Our partnerships with RentProtect and Lemonade make that coverage easy and accessible directly on the Roommates.com platform.

Get Protected Today

If you’re gearing up for a new lease or preparing to move into a new place, explore renters insurance options now and protect your space, your belongings, and your peace of mind.

No paperwork. No pressure. Just quick, reliable renters insurance.

Terms and conditions apply. Visit RentProtect.me for more details. Terms and conditions apply. Not available in all states. Coverages and costs vary. Roommates.com LLC is not an insurance agency.