Should I get renters insurance if I have a roommate?

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Yes, you should get renters insurance whether or not you have a roommate, because your stuff is only covered if there's a policy with your name on it.

If you already have a policy and you get a new roommate that you trust, you can usually add him to your policy at no extra cost. Similarly, if your roommate already has a policy and you don't, she might be able to add you to her policy.

Be careful about adding another person to a renters insurance policy, because any claim will be paid to both names.