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Roost renters insurance review
Check a basic policy off your to-do list while staying in touch with your rental community.
- Get a quote if you’re curious about coverage, especially with a roommate.
- Pick something else if you need wider coverage.
- Only those renting through qualifying property managers can apply.
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All 50 states
Available states
24/7 claims
Online quotes
Details
Pros
- Belongings protected anywhere in the world
- Replacement cost included
- Allows roommates on your policy
Cons
- Low coverage limits
- Only available through property managers
- Bare-bones website information
| New home discount discount | No |
|---|---|
| New homeowner discount | No |
| Home safety features discount | No |
| New policy discount | No |
| Bundling discount | No |
| No claims discount | No |
| Other discounts | No |
| Personal property coverage | Yes |
|---|---|
| Valuable personal property | Yes |
| Theft coverage | No |
| Fire coverage | No |
| Flood coverage | No |
| Identity theft coverage | No |
| Homesharing | No |
| Dwelling coverage | No |
Review by
Sarah George
sarah.george@finder.comSarah George is a personal finance writer at Finder who’s spent the last four years wielding her digital pen on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
Expert review
Roost doesn’t leave tenants disappointed with its standard policy. You won’t pay extra to replace damaged belongings with brand new items, and you can split coverage with your roommate — a benefit that could make Roost an affordable option. You’ll also get the convenience of managing your policy with the same account where you receive community updates and notices.
On the other hand, Roost doesn’t provide much coverage outside the standard. You can find its top benefits like replacement cost and pet coverage with other companies.
Roost also doesn’t work well for people with many high-value items like fine art or jewelry. Because of these low points, look at other renters insurance companies if you need anything outside the basics.
How does Roost work?
Roost offers insurance to tenants through their rental property managers. To qualify for coverage, your manager must buy and use its Appfolio software. Then, you can sign up and manage your policy through your Appfolio account.
If your manager chooses to use the additional features, you’ll also see reminders, emails and tasks like scheduled maintenance or cleanings through the account.
What renters insurance coverage does Roost offer?
Roost nestles the basics with a few helpful options into its policies. Coverage includes:
- Personal belongings up to $75,000
- Personal liability up to $100,000
- Belongings replacement cost included
- Additional living expenses
- Pet coverage
- Earthquake coverage in California only
- Liability to landlord — Property managers can require liability coverage through Appfolio, protecting themselves from damage to the rental.
What renters insurance discounts can I get?
Roost’s website doesn’t mention any discounts. Similar companies typically provide few discounts if any, but some knock off the price for paying your premium up front.
Pros and cons of Roost renters insurance
Pros
- Belongings protected everywhere. Keep your personal items safe and sound from damage or theft anywhere you take them.
- Replacement cost coverage included. You won’t pay extra to switch damaged belongings with brand new replacements.
- Negligent water damage covered. Replace your stuff even if you caused the water overflow in your rental space, a rare perk.
- Roommates allowed on your policy. Let your roommate take advantage of the liability and personal belongings protection, not a typical offering with renters insurance.
Cons
- Low coverage limits. You’ll need another policy for high-dollar items if they exceed $75,000 total.
- Basic website. Roost includes very little website information about discounts, company history or the claims process.
- Only available through property managers. You can only buy a policy if your property manager uses the Appfolio software.
- Customer service is only through email. Prospective customers without an Appfolio account don’t have the option to chat online or call a customer service representative.
How to apply for Roost renters insurance
You can see if Roost’s coverage works for you by asking your property manager for information or logging in through your Appfolio account.
- Online account. Log into Appfolio to start a quote and buy a renters policy.
- Property manager. Talk with your property manager about whether you can apply for Roost.
What info do I need to apply for renters insurance with Roost?
Since you’re applying through your online account, you likely need only basic information, such as:
- Name
- Address
- Phone number
- Previous claims details
- Pet information
- Type of coverage needed
- Policy start date
- Roommate information
- Payment information