A modern renters insurance company that offers extra coverage for home sharing hosts, as well as help with security deposits and co-signing on leases.
Renters insurance doesn’t always cover everything you need it to. But with Jetty Renters Insurance, you can get coverage for the items and situations you want, whether you’re at home or abroad.
We love the variety of options Jetty offers to renters, and that members can get additional discounts on goods and services thanks to the exclusive partnerships the company has built.
This guide will give you more information about buying renters insurance, what it covers, and why we think Jetty is a great choice for your renters insurance policy.
Jetty is a relative newcomer to the renters insurance market, and it was developed with younger, more urban renters in mind. When the founders went looking for their own renters insurance, they found outdated coverage designed more for suburban living than life in a city.
They designed Jetty to be available to cover everything modern consumers want covered, from protecting expensive electronics and jewelry to combatting pesky bed bugs.
Applications are fast and online, allowing for quick decisions and coverage. You even can get help paying for your security deposit or finding a co-signer for your lease with Jetty Deposit or Jetty Lease Guaranty.
Renting isn’t always easy. You have to deal with rowdy neighbors, repairs that you don’t control, and have to trust that everyone else in your building takes out their trash in a timely manner. Protecting your belongings - and your financial future - is essential as a renter.
Jetty renters insurance provides protection for those unexpected moments, such as smoke damage from a minor fire, theft of your pricey TV, and even damage your laptop incurs on that backpacking trip to Europe. If you own it, Jetty will cover it.
And if you’re forced out of your building by a fire, flood, or other event, Jetty pays for a hotel room until you can get back into your place.
While many renters insurance companies cover the “actual cash value” of your belongings, Jetty covers the “replacement cost.” That means you’ll be paid the amount it would cost you to replace that couch that’s seen better days with a similar, new couch, not the amount your insurance company determines your ratty couch was worth. In other words, on average, Jetty pays more in individual property claims than most other insurance companies.
Jetty’s insurance coverage begins with their Basic Renters Insurance Plans, which covers many situations of loss or damage to your property, expenses if your place is uninhabitable, and medical bills for people who may be hurt in your apartment.
For items such as personal electronics, expensive jewelry, or anything with a value over $1,000, Jetty offers “Power-Ups,” or additional coverage over and above the limits provided for in the Basic Renters Insurance Plan.
These Power-Ups cover more expensive items, as well as replacement for a wider variety of situations than regular renters insurance.
You can get a quick quote - or “price,” as Jetty calls it - by answering a few simple questions on their site.
If you live with your significant other or a few roommates, you may wonder who is covered under your renters insurance plan.
A Jetty renters insurance policy covers:
Jetty does not automatically cover:
These individuals need to purchase their own separate renters insurance policies.
Jetty Renters Insurance is available in 45 U.S. states, with Florida, Hawaii, Indiana, Missouri, and North Carolina not covered.
Jetty does plan to roll out Renters Insurance coverage to all 50 states by the end of 2019.
The price of a Jetty Renters Insurance plan depends on your location and desired coverage level.
A $10,000 policy level starts under $10 per month with Jetty, less than most insurance companies.
A Basic Renters Insurance Plan costs less than one that covers additional personal electronics or expensive valuables. However, the price you’ll pay in renters insurance premiums per month will more than pay off in the event that you need to make a claim.
All Jetty Basic Renters Insurance Plans cover four basic categories of loss or damage:
However, these plans only cover loss or damage based on certain conditions, including:
Policyholders also are covered in the event that they accidentally injure someone or damage their property, such as forgetting to turn off the water and causing a small flood that damages a neighbor’s belongings.
In addition, Jetty covers policyholders’ belongings if they’re damaged somewhere other than in their property, such as while traveling.
Renters insurance covers loss or damage in a wide variety of situations, but the list isn’t exhaustive.
Some types and categories of loss aren’t covered by Jetty insurance, including:
Jetty offers a variety of extra coverage options for those who wish to protect more expensive belongings or who need additional support.
Jetty is an insurance company unlike any other in the industry today. Before you make a full decision, here are some of the pros and cons of choosing Jetty for renters insurance:
Jetty does not offer discounts on renters insurance. However, you can choose to insure property amounts under $10,000, something many insurance companies don’t offer.
Despite being relatively new to the insurance world, Jetty has some great reviews from happy customers. It’s rated 4.1 on Clearsurance.com with a total of 19 reviews.
These reviews are representative of the positive reviews on Clearsurance.com.
“This was insanely easy to register for, gives you clear options you can understand and offers some unique extra coverages that you can tailor to your needs easily. And it’s a great deal!” - Pupped
“ I got Jetty because a friend of mine had it and was raving about how much of a lifesaver it had been. I'd looked into renter's insurance other places and honestly just didn't really understand the whole thing and it seemed like a hassle so gave up. Then my friend mentioned Jetty, and they made it super easy and clear to understand the the whole process and get everything I needed. A few months later, I broke my phone while on vacation. Before Jetty, I didn't even know I could get coverage for something like that, but Jetty came to the rescue. I filed a claim and the whole thing was resolved within just a few days. I've had insurance claims take a full year to process in other places but Jetty's claims process was easier than AMEX. Definitely check these guys out. Even if you don't think you need it, Jetty covers more than you think and has saved me tons!” - petesmuller
The process to apply for Jetty is easy from your smartphone or laptop. Get a decision in minutes and get covered right away.
Filing a claim with Jetty is fast and easy, but it can only be done over the phone.
Jetty’s claims are processed by a third-party vendor, so reach out to your adjuster or email [email protected] to check the status of your claim.
Address: Headquarters 37 W. 20th St., #301 New York, NY 10011 Customer service: (855) MY-JETTY Claims: (844) 252-4640. Website: www.jetty.com Facebook: https://www.facebook.com/jettyinsurance/ Twitter: @jetty Instagram: https://www.instagram.com/jetty/ LinkedIn: https://www.linkedin.com/company/jetty./
Jetty offers renters insurance, as well as Jetty Deposit and Jetty Lease Guaranty.
Jetty is revolutionizing the renters insurance industry with its plans designed for young urban renters with a variety of unique needs.
Base coverage is affordable and can be purchased for values under $10,000, and the Power-Ups allow policyholders to truly customize their coverage. Payment of claims at replacement cost means you can expect to receive more if your property is damaged or stolen, making it easier to replace your belongings.
The online application process is quick and painless, allowing you to get covered immediately after applying. This gives you peace of mind knowing you can move into that new place and have coverage for any damage that might happen.
Jetty is a great basic renters insurance company that offers individualized solutions for those who want more coverage and can afford to pay more in monthly premiums.
If you need to make a claim, call (844) 252-4640 24 hours a day, 7 days a week. For customer service, call (855) MY-JETTY.
With Jetty’s Basic Renters Insurance Plan, your audio equipment is automatically covered up to a certain amount of loss or damage. However, to fully cover the $7,000 value of your audio equipment, add the Valuables Power-Up to your coverage.
No. Like other renters insurance, claims from floods or earthquakes are not covered.
You can add your landlord as an “interested party” on your policy. Just send an email to [email protected] with your landlord or property manager’s name, their street address, and their email address.
No, your roommate is not covered. Only those related to you by blood, adoption, or marriage are covered. If you live with your significant other and own joint property, you can add them to your policy.
An unrelated roommate, however, will need to purchase a separate renters insurance policy.