{"id":520,"date":"2022-02-24T19:30:04","date_gmt":"2022-02-24T19:30:04","guid":{"rendered":"https:\/\/www.oasisinsurance.com\/blog\/?p=520"},"modified":"2022-02-24T19:32:17","modified_gmt":"2022-02-24T19:32:17","slug":"sharing-renters-insurance-with-a-roomate-in-arizona","status":"publish","type":"post","link":"https:\/\/www.oasisinsurance.com\/blog\/sharing-renters-insurance-with-a-roomate-in-arizona\/","title":{"rendered":"8 Tips for Sharing Renters Insurance with a Roommate in Arizona"},"content":{"rendered":"\n

When you\u2019re sharing a living space with a roommate in Arizona, it\u2019s important to consider carrying renters insurance.<\/a> This type of insurance helps cover the cost of replacing your possessions if they are stolen or destroyed. <\/p>\n\n\n\n

Let\u2019s go over some basic information about renter\u2019s insurance and some tips for sharing a policy with those you live with. <\/p>\n\n\n\n

1. Do You Have to Be on the Lease to Carry Renters Insurance? <\/h2>\n\n\n\n

No. You can purchase renters insurance for any situation where you or your belongings are occupying a space in Arizona, whether your name is on the lease or not. This makes renters insurance a good option for dorm rooms, apartments or homes that you share with a roommate, storage units, and many other situations.  <\/p>\n\n\n\n

Your insurance agent can help you decide if renters insurance is the right option for your specific situation and how much coverage you\u2019ll need. Be prepared for the appointment with a general overview of the belongings you\u2019d like to insure and their value, so the agent can help you decide on a policy with the correct amount of coverage. <\/p>\n\n\n\n

2. Save Money in Arizona on Your Renters Insurance <\/h2>\n\n\n\n

One of the main benefits of sharing a renters insurance policy with your roommates is that it will help cut the cost you\u2019ll pay for the policy. If you sign up for a renters insurance policy together, you\u2019ll be able to split the monthly premium. However, if you don\u2019t know your roommates or are in a situation where you don\u2019t fully trust them, you can also purchase your own policy.  <\/p>\n\n\n\n

Renters insurance is not expensive, making either option viable. If you decide to split the cost of the policy with one or more roommates, make sure that you have a system in place to pay the premium each time it comes due. This will help avoid conflicts and ensure that the bill is paid by the due date. <\/p>\n\n\n\n

3. Document Your Possessions <\/h2>\n\n\n\n

If you\u2019ll be purchasing a renters insurance policy with one or more roommates, it\u2019s important to spend time documenting your possessions. Go through your home, dorm room, or storage unit and spend some time taking photos or videos of your possessions. Write down any details about the value of your items, gather up any documentation or receipts, and store this information together in a secure location. The documentation should be stored outside of your apartment, either online or in a safe deposit box, so it\u2019s safe from damage but easy to access if you need to file a claim. <\/p>\n\n\n\n

4. Keep Policy Limits in Mind <\/h2>\n\n\n\n

As you prepare to purchase affordable renters insurance in Arizona<\/a>, it\u2019s important to keep the policy limits in mind. If you are sharing the policy with one or more roommates, you\u2019ll want to be sure that the policy limits are high enough to cover everyone\u2019s belongings. If not, you may want to consider purchasing more than one policy or raising the limits on the policy that you\u2019ll be buying together. <\/p>\n\n\n\n

5. Planning for Filing Claims <\/h2>\n\n\n\n

When purchasing low-cost renters insurance in Arizona, be sure to delegate one member of your household to be in charge of filing claims. This helps ensure that in the event of a robbery or natural disaster, everyone knows what to expect and who will be handling which tasks. Sharing a renters insurance policy<\/a> becomes less stressful when each household member knows who will be in charge of filing a claim if necessary. <\/p>\n\n\n\n

6. What to do When a Roommate Moves Out? <\/h2>\n\n\n\n

If you purchase renters insurance<\/a> with a roommate, and then they move out, you\u2019ll need to renegotiate your policy details. Your insurance agent will help you remove them from your current policy and set up a new policy. Provide your agent with a copy of your lease, and they\u2019ll be able to remove your roommate, set you up with new coverage limits, and design a policy that meets your needs. <\/p>\n\n\n\n

\"roommates<\/figure>\n\n\n\n

7. Your Arizona Insurance Record is Tied to Your Roommates <\/h2>\n\n\n\n

Keep in mind that your insurance record will be tied to your roommates for the time that you share a policy. If they make a payment late or allow the policy to lapse, it can hurt your payment record as well. If you purchase a renters insurance policy together, make sure that you have a clear plan for payment that everyone understands. If you find that your roommates are regularly late on payments or missing them entirely, it may be time to consider switching to a policy of your own. <\/p>\n\n\n\n

8. Assess the Situation and Decide if You Need One Policy or Multiple <\/h2>\n\n\n\n

Purchasing cheap renters insurance in Arizona doesn\u2019t have to be an overwhelming process. However, it\u2019s important to spend some time assessing your situation to determine if you\u2019d rather share a policy with your roommate or purchase a policy on your own. If you don\u2019t know them at all and aren\u2019t confident about things like their ability to make payments on time, document claims, and remain under the limits of the policy, you may be wiser to purchase your own policy. However, if you know the person well, you may be able to save money annually<\/a> by purchasing a renters insurance policy together. <\/p>\n\n\n\n

Get Affordable Renters Insurance in Arizona From Oasis <\/h2>\n\n\n\n

When it\u2019s time to buy affordable renters insurance, turn to the friendly professionals at Oasis Insurance. Visit us online<\/a> or call us today at 800-330-5190<\/a>. You and your roommates can also stop by one of our local offices<\/a> to meet with an insurance agent in person. We\u2019ll help you design the perfect renters insurance policy.\u00a0<\/p>\n\n\n

\n Get a Quote<\/a>\n <\/div>\n
\n Call Us<\/a>\n <\/div>\n
\n Find Your Office<\/a>\n <\/div>\n ","protected":false},"excerpt":{"rendered":"

When you\u2019re sharing a living space with a roommate in Arizona, it\u2019s important to consider carrying renters insurance. This type of insurance helps cover the cost of replacing your possessions if they are stolen or destroyed.  Let\u2019s go over some basic information about renter\u2019s insurance and some tips for sharing a policy with those you 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