Insurance policies are designed to provide specific individuals, those who are named on the policy, with insurance coverage. They usually don’t provide coverage to people who aren’t named on them. Therefore, if you rent an apartment in Imperial, MO, you can’t just rely on anyone’s renters insurance policy. You need a renters insurance policy that specifically names you as a covered individual.
Checking to See If You’re Named on a Policy
Generally, renters insurance policies only insure one person, or one person and their family. In a few cases, however, a renters insurance policy will provide two roommates who aren’t related with coverage. Policies that do will name each roommate as a covered individual and detail what their insurance coverage includes.
It’s unlikely that you’re named on your roommate’s renters insurance policy, but there is a slight chance if you purchased insurance together. If you want to check, you can ask your roommate to review their insurance policy and see whether you’re named in it. You probably aren’t, but you might be.
Finding a Policy for Yourself
Unless you’re in a rare situation where a renters insurance policy insures both you and your roommate, you’ll need your own insurance policy. When you purchase an insurance policy for yourself, you’ll be named on the policy as the insured individual — and you’ll receive the protections that your chosen policy affords.
If you need help figuring out whether you’re already named on a renters insurance policy, or if you need assistance finding a policy, contact us at GTW Insurance. Our independent insurance agents have seen many policies and can easily review your roommate’s to see whether you’re named in it. Assuming you aren’t, they can also help you shop around for an affordable policy that will cover you. To contact our renters insurance agents, fill out the form on our website.