Jetty Renters Insurance Review 2023

Renters insurance is one of several financial services Jetty offers.
Doug Sibor
By Doug Sibor 
Edited by Caitlin Constantine

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Jetty

3.5

NerdWallet rating 
A convenient option if you live in a Jetty partner property.

Coverage options

More than average

Discounts

Very few discounts

NAIC complaints

More than expected
insurance-product-card-logo

Jetty

3.5

NerdWallet rating 
A convenient option if you live in a Jetty partner property.

Coverage options

More than average

Discounts

Very few discounts

NAIC complaints

More than expected

Founded in 2015, Jetty is a specialized insurance agency that offers customizable renters insurance policies, including optional endorsements called Power-Ups. You can get Jetty insurance — known as Jetty Protect — only if you live in one of the company’s partner properties.

To receive a quote, you must live in one of Jetty's partner properties and use a sign-up link from the property manager.

Jetty also offers other services to help renters build credit, cover their security deposits and avoid fees for late rent payments.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Jetty renters insurance star rating

3.5

NerdWallet rating 

Jetty renters insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account coverage and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners, and more.

State availability

Jetty renters insurance is available nationwide except for Florida, Indiana, Missouri and North Carolina.

Jetty renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

In addition to these standard types of coverage, Jetty also covers bedbug infestations that have been certified by a licensed pest control professional. Jetty will pay up to $300.

If your belongings are damaged or stolen, Jetty will pay your claim on a “replacement cost” basis. That means it will give you enough money to buy new replacements for the lost items, without deducting for depreciation.

Jetty policies can be customized by purchasing these “Power-Up” endorsements:

  • Valuables protection: This is blanket coverage up to $5,000 for pricey items such as jewelry, mountain bikes or musical instruments. If you have certain belongings worth more than $5,000, you can buy additional coverage known as a personal floater endorsement to cover each item individually.

  • Personal electronics protection: Pays for damage to devices in situations excluded by a standard policy, like dropping and breaking.

Jetty policyholders also have access to a range of member benefits, including exclusive offers from moving, pet product and food delivery companies.

Discounts

If you pay your renters insurance premium annually, rather than in more frequent installments, you can save $25.

Consumer complaints

Jetty works with State National Insurance Company in most states to provide the actual coverage in your policy. State National had more than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (The NAIC’s home insurance complaints cover a range of policy types, including renters and condo insurance.)

Consumer experience

Website: Jetty’s website offers a lot of information about its renters insurance and other services. However, you can’t get a quote directly through the site. If you live at a Jetty partner property, the management will provide you with a unique URL that you'll use to get your price.

Claims: You can submit a claim through your account on the Jetty website or by calling 844-252-4640. To track an existing claim, email [email protected] or contact your claims adjuster.

Customer service: Support is available by email at [email protected]. You can also submit an online request for help or interact with Jetty’s chatbot.

Other Jetty products for renters

Jetty Credit: This service, free at participating properties, automatically reports your on-time rent payments to all three major credit bureaus, allowing you to build up your credit history. Note that if you make a late payment, however, Jetty may stop reporting to the credit bureaus on your behalf and remove you from the Jetty Credit program, with no way to opt back in. Learn more about reporting your rent to credit bureaus.

Jetty Deposit: If you’d have trouble coming up with the full amount of your security deposit (often one month's rent), you can use Jetty Deposit to reduce it. Jetty will pay your security deposit for you, then charge you either a one-time or monthly fee. These fees are calculated based on “soft” credit checks that won’t impact your credit score. If you opt for the monthly fee, you will pay it every month for the duration of your lease (except in Texas, where the maximum time limit is 19 months).

Jetty Rent: With this product, Jetty pays your rent in full on the first of every month, then you have until the 24th to pay the company back, either all at once or in installments. In exchange, you’ll pay an origination fee of $15, plus a monthly service fee of $15 to $25 based on the APR you qualify for.

Where Jetty stands out

Included coverage. Few renters insurance companies cover bedbug infestations, but Jetty does. It also includes replacement cost coverage for your belongings, which many insurers charge extra for.

Other perks for renters. Tenants may appreciate Jetty’s member benefits and free credit reporting service.

Where Jetty falls short

Availability. Only tenants at participating properties can buy Jetty’s renters insurance.

Consumer complaints. The company that writes Jetty’s policies has drawn more consumer complaints to state regulators than expected.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

  • Allstate: Solid coverage from one of the country’s biggest insurers.

  • Assurant: Includes some useful extra coverage options but isn’t big on discounts.

  • Geico: Sells renters insurance through third parties.

  • Lemonade: Straightforward policies from a tech-centric, mission-driven company.

Frequently asked questions

Jetty currently sells only renters insurance, with no options for auto, homeowners or other types of policies.

No, Jetty renters insurance is available only to those living in homes with traditional foundations. Further, those homes must be part of Jetty’s network of partner properties. For other options, see NerdWallet’s guide to manufactured and mobile home insurance.

Your Jetty Protect policy automatically covers your spouse, civil union partner and dependent children. If you’re living with a significant other or relative, you can add them to your plan, but you can’t add an unrelated roommate.

No. In most states, the liability coverage on your policy won’t pay for claims associated with any of the following dog breeds:

  • Akita.

  • Alaskan malamute.

  • Cane corso.

  • Chow chow.

  • Doberman pinscher.

  • German shepherd.

  • Great Dane.

  • Husky or wolf mix.

  • Mastiff.

  • Pit bull.

  • Presa Canario.

  • Rottweiler.

  • Siberian husky.

  • Staffordshire bull terrier.

  • Saint Bernard.

Jetty won't cover a dog of any breed who has a history of biting. Breed restrictions don’t apply in California, Maryland, Massachusetts or New Jersey.

Methodology

Renters insurance ratings methodology

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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