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Should my roommate and I get separate renters insurance policies?

My friend is moving into my house, where I’ve been living the past 6 months, and I already have renters insurance. Should I add her to my policy or should she get a separate policy in her name?

Agent Answer

Neil Richardson

Renters insurance is generally inexpensive, but splitting the bill may save a few dollars. Consider, however, that you will also be splitting the amount of coverage on the policy, so your personal items will both be covered at half the listed amount. Your claims history could also be impacted if the other roommate files a claim; even if your personal items are not affected. It may cost a bit more, but maintaining separate policies will keep both of you from negatively affecting the other in the event of any claims.

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