Jetty Insurance Review Dec 2023 | Why Lemonade Is Better!


Jetty renters insurance is now only available if you rent at a property that's partnered with them. You can Check out our Lemonade Insurance Review or click here to get immediate coverage.

Jetty Insurance was hands-down, one of the fastest ways to get quotes and buy renters insurance online.

However, they decided to move away from helping customers directly and now only deal with partner properties.

That is why I put this Jetty Insurance Review together. To go over all the coverage options that are included with your policy.

Our Jetty Renters Insurance Reviews: 

jetty insurance logo

Jetty Insurance focuses on customer end insurance technology and is reinsured by Munich Re and underwritten by State National Companies Inc. State National also has an A (Excellent) rating from A.M. Best.

In this review today, I am going to show you how Jetty Renters Insurance works, what their policies can cover, and why it's one of the best options when searching for renters insurance for your new rental home or apartment.

Who Is Jetty Insurance? 

jetty insurance review

Jetty Insurance was founded in 2015 and is also part of what I call the New-Tech Insurance Company family.

A New-Tech Insurance Company is an insurance company that creates a new buying process for their industry and sets a new standard.

This is exactly what Jetty Insurance is doing.

Jetty Insurance was built by a team of marketing and technology gurus who now like insurance.

They have come together to create a solid product and an excellent process.

Jetty Insurance is reinsured by Munich Re and underwritten by State National Companies Inc

What Makes Jetty Insurance Different?

Jetty's Renters Insurance is a much easier, faster and seamless process with a 100% online process.  

When they first started looking for renters insurance, they realized how outdated everyone's process was and wanted to bring renters insurance into the 21st century.

You can get quotes within 30 seconds and apply online in minutes, and because everything is web based you are going to be looking at the most affordable rates.

As I stated above, Jetty is offering a more modern coverage by adding and including things like global coverage and bedbug coverage to their plans.

They also have a revolutionary process called Jetty Passport where they offer the option to have them as your guarantor for an apartment if you need one before you can get an apartment.

This review will not cover the Jetty Passport in detail.

However, we will give a quick review of it below and how it works.  


Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

Pros And Cons Of Jetty Renters Insurance Policy

Below is a list of some pros and cons of Jetty's renters insurance plan.

Jetty Review - The Pros

  • Super Fast Quotes
  • Instant Online Coverage
  • Free Bed Bug Coverage
  • Jetty Membership Program

Jetty Renters Review - The Cons

  • Only Offered Through Partner Properties
  • Currently Not Nationwide
  • No Online Claims Process
  • No Liability Coverage For Specific Dogs

If you can get a policy with Jetty through your community, I say go for it; however, you should still compare rates and coverage options.

What Does Jetty Renters Insurance Cover?

Jetty has you covered for the Basics and for what they call Power Ups, we explain how they work below and then go into the 3 different plan options they have.


Basic plans will cover your 'normal household belongings' like your clothes, your bed, your tv, your washer/dryer and your couch.  

In general the coverage covers the below areas:

Contents Coverage - If something happens to your things this part of the policy covers that.  It will cover things from furniture to electronics.

Loss Of Use Coverage — If you are in a situation where your rental becomes uninhabitable, this coverage will kick in to help you with funds for things like hotel stays, food and travel. 

Liability Coverage — If you cause damage or harm to someone and are financially responsible, like if your dog damages someone's property; this coverage will kick in.

Medical Payments To Others Coverage — This part of the policy will pay out if you need to pay financial compensation to cover someone's medical bills (due to an incident on or near your property). 

These Basic plans are designed to cover many people with similar risk levels on their 'normal household belongings.'

Remember, Basic Plans do not fully cover an additional set of scenarios common to personal electronics items like your smartphone, your tablet or your laptop.

This is the same with every renters insurance provider. 


If you have items like that then you will probably want to add the Personal Electronics Protection Power-Up, which we discuss more below. 


Power Ups are going to be a group of bonus features you can add to your plan to obtain tailored protection for your life and your circumstances, these power ups include: 

Valuables Protection — If you have a special item worth over $1,000, Jetty recommends that you add the Valuables Protection Power-Up.

Since the Basic Plans are designed to cover many people with similar risk levels on their 'normal household belongings,' they don't fully cover uncommon, high-value items. 

Things like your grandmother's pearl necklace, your rare Bordeaux wines,  your colonial stamp collection, your rare comic book collection or your Optimus Prime action figure. 

Jetty's Valuables Protection Power-Up covers the following types of items:

  • Jewelry
  • Music & Audio Gear
  • Photo & Video Gear
  • Fashion Items
  • Bikes
  • Art & Design
  • Sports Equipment
  • Special Collections
  • Wine Collections
  • Firearms

Personal Electronics Protection — This coverage is going to be for personal electronics items like smartphones, tablets and laptops.

These items are subject to all sorts of special risks not typically covered by Basic plans, such as drop-and-shatter, and are not necessarily covered for these situations by default (keep in mind, this is not unique to Jetty). 

As such, for just a few dollars extra, Jetty recommends buying the Personal Electronics Protection Power-Up to ensure you're fully protected in these scenarios.

This power up will add 3 different levels of coverage to your plan by:

  • Ensuring That All Items Are Sufficiently Protected

    This Power-Up Goes Into A Lot Of Detail As To What Types Of Specific Items Get Covered, And If You Have A Ton Of Electronics, It's Probably A Good Match; These Include:
  • Mobile & Smart Phones 
  • Tablets (like an iPad)
  • Computers
  • Monitors
  • Printers
  • Gaming Devices
  • Routers
  • External Hard Drives
  • Wired Or Wireless Peripherials
  • Accessories
  • Personal Media Players
  • Headphones
  • Protecting You In A Wider Range Of Reimbursable Situations 

    Unlike your 'normal household belongings' like your clothes, the items covered under the Personal Electronics Power-Up are highly susceptible to situations happening which make the probability of a claim more likely.

    An example: drop-and-break; while it's highly unlikely that a pile of clothes would break if you were to drop them.

    However if you drop your google pixel XL, you will be screaming before it hits the ground, and you know the screen is going to be completely shattered. 

    Under the Basic plans, the situations that allow for reimbursement are the ones which reasonably apply to normal household belongings.

    Therefore, if you want to ensure that you're covered in the fullest range of scenarios possible (like 'mysterious disappearance' or 'Drop-And-Break), go for the Power-Up option.'

    Keep In Mind: 

    This power-up is only for physical damage and does not cover things like malware, spyware or any other type of computer viruses.

  • Giving You An Item-Specific Deductible

    As you probably know, all insurance plans come with a deductible.

    Deductible is the amount you're responsible for before an insurance company's protection kicks in.

    When buying a plan, you have the option of adjusting the deductible; the higher the deductible, the cheaper your plan will be, this is because you are taking on more of the financial risk up-front.

    With the Personal Electronics Protection Power-Up, there's a $100 deductible for computers and just a $50 deductible for all other items. 

    This is great because if you purchase this Power-Up, and drop your tablet or phone, your deductible would only be $50 and the policy would cover the remainder up to your coverage amount.

Airbnb Host Theft Protection - So, if you have used Airbnb before you know that you are covered for most damages by the Host Protection insurance they offer.

However, since you are indeed acting like a landlord when you rent your place out, your normal plan becomes void for many situations.

This includes things like theft arising from your guest's negligence. 

When guests don't lock the door or hide the key in the right place this Power-Up will cover you. 


Renters insurance by state.

Additional Coverage Included In All Jetty Plans

The best thing about a Jetty Insurance policy is that it comes with additional benefits that are included at no extra cost, check out what else is covered below:

Global Protection - This is going to protect your property no matter where you are on the planet.  If you experience a covered loss, even outside of your rental, your policy will cover it.

Bedbug Coverage - This will pay out $300.00 if a licensed pest control professional certifies that you have bedbugs to help you offset the costs of dealing with it.

The Three Jetty Plans & What They Cover

Just like the majority of more modern insurance companies, Jetty has made their buying process very simple with 3 options.

These plans all range in different levels of protection and give you the ability to fit coverage into your budget.  

I always tell my customers that it is better to buy what you can afford than to buy nothing.

Below is an image of how the quotes will be displayed as well as more detailed information about how each plan works:

three jetty insurance plans

Jetty's Claims Process & Guarantee

When it comes to filing a claim Jetty will assist you will filing your claim and they also use a "Third Party Administrator" by the name of Gallagher Bassett to assist with handling claims.

Jetty, along with Gallagher Bassett might reach out from time to time in the event that you file a claim.

A downside to filing a claim is that you have to call in to submit one, but hopefully they will add the ability to submit a claim online or via your cell phone in the near future.

The information needed to actually file the claim is:

  • A Copy Of Your Policy (You Can Download A Copy From Your Account Portal)
  • Receipts For Damaged, Lost, Or Stolen Items
  •  Pictures Or Videos Documenting The Scene Of The Incident

You must also email them or call in to check on the status of a claim.

Overall, there really isn't much information about exactly how the Jetty Claims process works just yet. 

To submit a claim, you can call 1-844-538-8925.

Alternatives To Jetty Renters Insurance 

Your Best alternative to Jetty Renters Insurance is going to be Lemonade. Not only do they offer a 100% online seamless process, but they also give you approval in minutes. You can check out our detailed Lemonade Insurance review here


Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

Taking Action

No other Jetty Insurance Review is as long as mine; however, I wanted to make sure that I gave you as much detail as possible.

And since you can't really get covered by Jetty unless they are offered at your property, I say give Lemonade a shot. 

You can check out Lemonade for the most affordable renters insurance and if you are ready to get covered you can simply click here to get quotes and instantly apply online.