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You've found the right roommate. Now make sure everything else is covered. Roommates.com has teamed up with RentProtect and Lemonade to make affordable, flexible renters insurance available for people living with roommates, with separate coverage for each person.
✅ Fast Coverage
Get insured in minutes with a quick, user-friendly process.
✅ Affordable Plans
Flexible options starting as low as $5/month.
✅ Comprehensive Protection
Covers theft, fire, water damage, liability, and more.
✅ 100% Digital
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.
Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251. Rentprotect Insurance Services LLC (RIS) is a licensed insurance agent (NPN 21373530) and is appointed by LIC and MIC. RIS receives compensation based on the premiums for the insurance policies it sells. Further information is available upon request. Roommates.com LLC, Rentprotect Insurance Services LLC, and their subsidiaries do not underwrite insurance or pay claims. Rentprotect Insurance Services LLC's California license number is 6015553. Coverage is not available in all states and this is not to be considered a solicitation for insurance in states where RIS, LIC, or MIC are not licensed.