Do I Have To Add All Resident Name In Renters Insurance?

As a renter, you know how important it is to protect your belongings and liability with renters insurance. But when it comes to adding all of your roommates or family members living in the rental property, things can get confusing.

Do you really have to add every single name on the policy? In this blog post, we’ll answer that burning question and break down everything you need to know about renters insurance coverage for multiple residents. So sit back, relax, and let’s dive in!

Do I have to add all resident names in renters insurance?

If you live with roommates, family, or a partner, you may be wondering if you need to add all resident names in renters insurance. The answer is usually no, but there are some exceptions.

If everyone who lives in your rental unit is related to you and/or named on the lease, then you likely don’t need to add them to your policy. However, if anyone who lives in your unit is not related to you and/or not named on the lease, they should be added to your policy. This includes any children who live with you but are not related to you.

There are some situations where adding all residents to your policy is a good idea, even if they are related to you and/or named on the lease. For example, if someone in your household has a bad credit score, adding them to your policy can help offset the cost of premiums.

In general, it’s a good idea to talk to your insurance agent about who should be included on your policy and why. They can help you make the best decision for your situation.

How much coverage do I need?

When it comes to how much coverage you need in your renters insurance policy, there are a few things to consider. First, think about what you would need to replace if your entire home was destroyed by a covered event.

This includes everything from your furniture and electronics to clothes and other personal belongings. Next, consider any expensive items you have that might need special coverage, such as jewelry or art. Finally, make sure you have enough liability coverage to protect yourself in the event someone is injured while on your property.

What does renters insurance cover?

Renters insurance covers your personal belongings in the event that they are lost, stolen, or damaged. It also provides liability coverage in the event that someone is injured while on your property. You may want to add all resident names to your policy so that everyone is covered in the event of a loss.

How much does renters insurance cost?

The average cost of renters insurance is $15 a month, or $180 a year. This rate is based on the Insurance Information Institute’s (III) 2018 National Homeowners Insurance Survey. The III says that renters insurance rates have been increasing about 4% every year since 2012.

Of course, your costs will vary depending on the value of your personal belongings and where you live. If you have a lot of valuable items, you may need to purchase additional coverage. You can also get discounts on your renters insurance if you bundle it with your auto insurance or other policies.

How to get renters insurance

If you’re looking to get renters insurance, there are a few things you’ll need to do. First, you’ll need to find an insurance company that offers renters insurance. There are a number of companies that offer this type of insurance, so shop around and compare rates before choosing one.

Once you’ve found an insurance company that offers renters insurance, you’ll need to get a quote. To get a quote, you’ll need to provide some basic information about yourself and your rental property. Once you have a quote, you can then compare rates and coverage options to find the right policy for your needs.

Finally, once you’ve found the right policy, you’ll need to purchase it. You can usually do this online or over the phone. Once your policy is in place, you’ll be protected in case of any damage or theft that occurs at your rental property.


Renters insurance provides important coverage for tenants living in rental units. It is important to discuss the policy and the names of those who should be listed on the policy with your insurer. By adding all resident names, you can ensure that everyone who lives in your unit is adequately protected by renters insurance.

While it may seem like an extra step, making sure all resident names are included on a renters insurance policy can provide peace of mind that every tenant’s personal belongings will be covered in case of any accident or damages.