Published April 21, 2015
A note on integrity.Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.
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.
Get essential money news & money moves with the Easy Money newsletter.
Free in your inbox each Friday.