Jetty Renters Insurance Review 2023
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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.
Jetty renters insurance star 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.
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.
Covers injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
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.
If you pay your renters insurance premium annually, rather than in more frequent installments, you can save $25.
» MORE: The best cheap renters insurance
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.)
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:
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.