Jetty Renters Insurance Review 2024

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

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Jetty

3.0

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

Coverage options

About average

Discounts

Very few discounts

NAIC complaints

Far more than expected
insurance-product-card-logo

Jetty

3.0

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

Coverage options

About average

Discounts

Very few discounts

NAIC complaints

Far more than expected

About Jetty renters insurance

3.0

NerdWallet rating 

Jetty renters insurance earned 3 stars out of 5 for overall performance. 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 use a sign-up link from the property manager.

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.

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. Jetty has drawn significantly more consumer complaints to state regulators than expected for a company of its size.

State availability

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

Availability may change at any time. Coverage may not be available to all renters in a given state.

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.

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 belongings such as jewelry, mountain bikes or musical instruments. If you have individual items worth more than $5,000, you can buy additional coverage known as a personal floater endorsement to cover each one separately.

  • Personal electronics protection: Pays for damage to devices in situations a standard policy won't cover, 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 had far 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, call 855-695-3889 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.

Current Product

Jetty Renters Insurance
Lemonade Renters Insurance
Amica Renters Insurance
NerdWallet rating 

3.0

/5
NerdWallet rating 

4.0

/5
NerdWallet rating 

5.0

/5

Complaints to NAIC 

Far more than expected

Complaints to NAIC 

More than expected

Complaints to NAIC 

Far fewer than expected

Coverage 

About average

Coverage 

More than average

Coverage 

About average

Discounts 

Very few discounts

Discounts 

Great set of discounts

Discounts 

Great set of discounts

Bottom line 

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

Bottom line 

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

Bottom line 

Ideal for renters who value coverage and customer service.

Other renters insurance companies to consider

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

Methodology

Renters insurance star 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 2020-2022. 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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