Not rated
Not rated
Jetty renters insurance is a convenient option if you live in a partner property, but the company draws a lot of complaints.
About Jetty renters insurance
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. To get a quote, you must use a sign-up link from the property manager.
Jetty renters insurance has some nice perks. Few renters insurance companies cover bedbug infestations, but Jetty does. Tenants may also appreciate Jetty’s credit reporting service. 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 for personal service from an insurance agent.
We make every effort to rate each company we review. However, we’re unable to provide a NerdWallet star rating if we’re missing key information about a company. In Jetty’s case, we don’t have sample rates or details about the availability of certain common discounts. Without being able to assess the affordability of the company’s plans, we can’t give Jetty a star rating.
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What Jetty renters insurance covers
Jetty plans come with the standard renters insurance coverage you’d expect, plus a few extras. They’ll cover your belongings in case of theft and various disasters. They’ll also help you if your dog bites someone or a guest gets hurt in your apartment. Learn more about what renters insurance covers.
Beyond these basics, Jetty also covers bedbug infestations. The infestation must be 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. Many renters policies offer this type of coverage by default.
Optional Jetty renters insurance 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 items worth more than $5,000, you can buy personal floater endorsements to cover each one separately.
Personal electronics protection. Pays for damage a standard policy won't cover, like dropping and breaking.
What’s not covered
Jetty Protect policies don’t cover:
Flood or earthquake damage.
Bites by certain dog breeds such as pit bulls or Doberman pinschers.
Damage you cause on purpose.
» MORE: Flood insurance for renters
Where Jetty renters insurance is available
Jetty renters insurance is available at participating properties in all states except Florida, Hawaii, Indiana, Montana and North Carolina.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Discounts
If you pay your renters insurance premium annually, rather than in more frequent installments, you can save $25.
» 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, with a very high proportion of home insurance complaints compared to other U.S. insurers.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
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. There’s no option for phone support. When we tried calling the number listed on Jetty’s legal page, we got a message stating that the company is now doing all customer service by email.
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. 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'll pay it every month for the duration of your lease (except in Texas and New York, where the maximum time limit is 19 months).
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
Jetty sells only renters insurance.
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.
Your Jetty policy automatically covers your spouse, civil union partner and dependent relatives. If you live with a significant other or non-dependent relative, you can add them to your plan. However, you can’t add an unrelated roommate. Learn more about renters insurance with roommates.
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 pet liability insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. 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.
