Jetty
- Bedbug coverage and replacement cost coverage for belongings are included standard.
- Provides other services for renters.
- Available only if you live in a Jetty partner property.
- High rate of consumer complaints.
About Jetty renters insurance
Jetty renters insurance earned 3.6 stars out of 5 for overall performance. Founded in 2015, Jetty offers financial services for renters. You can get Jetty insurance — known as Jetty Protect — only if you live in one of the company’s partner properties.
Jetty renters insurance has some nice perks, including coverage for bedbugs. But its discounts are limited, and the company draws a lot of consumer complaints.
Best for: Renters living in a Jetty partner property who want a quick and convenient option.
Not ideal for: Those looking to work with an agent to manage their policy.
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. Many insurers charge extra for this coverage.
Other services for renters. Tenants may appreciate Jetty’s member benefits and credit reporting service.
Where Jetty falls short
Availability. Only tenants at participating properties can buy Jetty renters insurance. To get a quote, you must use a sign-up link from the property manager.
Consumer complaints. Jetty draws a very high rate of consumer complaints to state regulators.
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What Jetty renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Jetty also covers bedbug infestations certified by a licensed pest control professional. Jetty will pay up to $300 to help with the cleanup.
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.
The alternative to replacement cost coverage is actual cash value coverage. With this type of insurance, you’ll get less money for older items that have lost value over time.
Optional coverage
Jetty policies can be customized by purchasing these “Power-Up” endorsements:
Valuables protection. Covers 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 a personal floater endorsement to cover each one separately.
Personal electronics protection. Pays for damage a standard policy won't cover, like dropping and breaking.
Discounts
If you pay your renters insurance premium annually, rather than in more frequent installments, you can save $25.
You may also be able to get a small discount if your home has certain safety or security devices.
Jetty policyholders get access to member benefits, too. These include discounts on services such as food delivery and moving expenses.
» MORE: The cheapest renters insurance
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Consumer complaints
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Jetty scores poorly on this measure, drawing a very high proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
Where Jetty renters insurance is available
Jetty renters insurance is available at participating properties nationwide.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: Jetty’s website offers 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: Jetty encourages policyholders to submit claims through the company website. To track an existing claim, email claims@jetty.com or contact your claims adjuster.
Customer service: Support is available by email at help@jetty.com. You can also submit an online request for help or interact with Jetty’s chatbot.
Other Jetty products for renters
Jetty Credit. Reports your on-time rent payments to all three major credit bureaus, helping you build credit. But if you have a late or missed payment, Jetty will remove you from the 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 a full 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 and New York, where the maximum time limit is 19 months).
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does Jetty offer?
What other types of insurance does Jetty offer?
Jetty sells only renters insurance.
Does Jetty cover renters in manufactured or mobile homes?
Does Jetty cover renters in manufactured or mobile homes?
No, Jetty renters insurance is only for people in homes with traditional foundations. Those homes must also be part of Jetty’s network of partner properties. For other options, see NerdWallet’s guide to manufactured and mobile home insurance.
Can my roommate and I share a Jetty policy?
Can my roommate and I share a Jetty policy?
Your Jetty policy automatically covers your spouse, civil union partner and dependent children. If you live with a significant other or relative, you can add them to your plan, but you can’t add an unrelated roommate. Learn more about renters insurance with roommates.
Does Jetty cover all dog breeds?
Does Jetty cover all dog breeds?
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 Siberian husky.
Mastiff.
Pit bull.
Presa Canario.
Rottweiler.
Saint Bernard.
Staffordshire bull terrier.
Wolf mix.
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. Learn more about dog liability insurance.
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 affordability, financial strength, consumer experience and coverage options. 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 from 2022 through 2024. 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.
