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Jetty Renters Insurance Review 2024
Adobe, Day Pitney LLP, Complex Media
Doug Sibor is a former insurance writer for NerdWallet. He holds a bachelor's degree in English and Classics from Colby College and an MBA in finance from Boston University. His work has appeared in The New York Times and The Washington Post.
Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Jetty
3.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Bedbug coverage and replacement cost coverage for belongings are included standard.
- “Power-Ups” offer optional types of coverage.
Cons
- Few discounts available.
- You can get Jetty insurance only if you live in a Jetty partner property.
Jetty
3.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Bedbug coverage and replacement cost coverage for belongings are included standard.
- “Power-Ups” offer optional types of coverage.
Cons
- Few discounts available.
- You can get Jetty insurance only if you live in a Jetty partner property.
About Jetty renters insurance
3.0
NerdWallet ratingJetty 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.
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 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.
» MORE: The cheapest renters insurance
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
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|---|---|---|
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 3.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 /5 |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Very few discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. 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:
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. 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 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. 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 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. Learn more about dog liability insurance.
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. 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 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. 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 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. 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 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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