If my girlfriend is moving in with me, should we get separate renters insurance policies?
My girlfriend and I are moving in together and we plan on splitting all of our bills. Does it make sense for us to share a renters policy or should we each have our own?
Here is a good article on sharing renters insurance with a roommate. In my personal opinion, sharing a policy with any person who isn't a spouse is not a good idea. The amount of coverage on the policy is split in half and any claim made by the other party will also be attached to your insurance record. There is also the issue of separating the policy if you two happen to part ways. Renters insurance is generally inexpensive so you wouldn't be saving a lot of money by combining your policy, and the potential headaches that could arise should anything happen between you and your girlfriend are reason enough to keep it separate.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started. No phone number required.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.