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Texas Department of Insurance
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May 20, 2024

Does my roommate’s renters insurance cover my stuff?

Insurance advice college edition


If you lease your apartment or home with a roomie, you should each buy your own renters insurance.

Big yikes: Your roommate’s policy won’t pay for your stuff if it’s lost in a robbery or fire. Their policy covers only their belongings.

Renters insurance costs less than $20 a month.

Reasons to buy a policy:

  • It pays for your belongings – clothes, electronics, home décor, furniture – if they’re damaged or stolen from your rental home or car and while you’re traveling.
  • If you need to move out of your rental home while it’s being repaired, it might pay for rent somewhere else and food.
  • It also covers medical expenses and your legal fees if someone is hurt at your place.

If your parents have homeowners insurance, their policy will pay a certain amount to replace your belongings. But it’s likely that renters insurance would probably cover more than the limits of your parents’ homeowners policy. Check with their insurance company to get coverage amounts.

Watch our video featuring tips about college students and insurance.

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