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AR, DE, GA, KY, MO, NV, OH, TN, UT
Available states
Online quotes
New home discount discount | No |
---|---|
New homeowner discount | No |
Home safety features discount | No |
New policy discount | No |
Bundling discount | Yes |
No claims discount | No |
Other discounts | Pay in full |
Personal property coverage | Yes |
---|---|
Valuable personal property | Some coverage included |
Theft coverage | Yes |
Fire coverage | Yes |
Flood coverage | No |
Identity theft coverage | No |
Homesharing | No |
Dwelling coverage | No |
Review by
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
Root is a well-known name for cheap, pay-as-you go car insurance and is trying its hand at renters insurance too. For that reason, customers who want to save by bundling on auto and renters insurance might find this company appealing.
Even if you don’t bundle, the company’s renters policies have an attractively affordable price with policies well below the norm nationwide. Despite its low prices, you’ll get a high amount of liability and personal belongings coverage.
Yet Root’s main turn-off is its disproportionate number of complaints for a company of its size. If that’s reason to make you look elsewhere, you can find other renters insurance options with a variety of reputable companies.
Root offers three coverage tiers: Base, Essential and Premier.
What’s covered | Description | Base coverage | Essential coverage | Premier coverage |
---|---|---|---|---|
Personal liability | This coverage pays for your legal fees and any court settlements if someone sues you for injury or damage. | $100,000 | $300,000 | $500,000 |
Medical payments | This coverage takes care of medical bills if your guests suffer an injury at your home — without getting lawyers involved. | $1,000 | $1,000 | $5,000 |
Personal property | Replace your personal belongings like jewelry, electronics and furniture if it’s damaged for a covered reason. | $10,000 | $20,000 | $50,000 |
Additional living expenses | Coverage for up to 12 months if your home is damaged beyond livable conditions. | $3,000 | $6,000 | $15,000 |
Water backups | Root provides protection for your belongings if they’re damaged by plumbing issues. | Included in personal property | Included in personal property | Included in personal property |
You’ll find a couple helpful discounts when buying your policy through Root.
Root holds an A+ rating with the Better Business Bureau (BBB), as of October 2020. However, the BBB has published over 200 customer complaints for Root on its site. Many complaints involve customers wanting to cancel their policies after steep rate changes and complaints of unauthorized charges.
Root received a 5.36 score on the 2019 National Association of Insurance Commissioners complaint index. The index scores companies on the number of complaints it receives compared to its size. With a national standard score of 1.00, Root’s 5.36 suggests too many customer complaints.
You can apply for your renters policy from the website by answering a few, quick questions:
Root asks for basic personal information when applying for its renters insurance, like: