Renters Insurance for Married Couples
Married and renting? Insurance to protect your combined life starting at $5/month.
What is renters insurance for married couples?
Renters insurance for married couples protects your shared stuff, provides liability coverage, and pays living expenses if your rental becomes unlivable. It’s for couples who’ve collected way more belongings than expected and need coverage that reflects their life together.
Married couples usually need more coverage because quality belongings cost more to replace.
What does renters insurance cover for married couples?
Renters insurance covers your stuff and liability. Your place is a mix of your stuff, their stuff, and things you bought together. Here’s what’s covered:
- Belongings Premarriage
- Jewelry & Watches
- Joint Purchases
- Work Equipment & Electronics
- Engagement & Wedding Rings
- Furniture & Home Decor
- Appliances & Cookware
- Hobby & Sports Gear
- Art & Decor
- Exercise Equipment
- Heirlooms & Antiques
- Books & Media Library
Not covered: Floods, earthquakes, and the laptop that died when you spilled wine on it during date night.
How does Lemonade protect married couples?
You’ve become the couple that hosts things now, which means more opportunities for someone to walk into your sliding glass door and definitely more reasons you need solid protection. It’s not just about your stuff, renters insurance also covers:
Joint coverage
Two lives worth of stuff stolen or damaged? We'll cover your shared belongings
Loss of use
Storm damage makes your place unlivable? We'll cover the extra expenses you face while repairs happen
Personal liability
Friend trips over your coffee table during game night? We'll cover their medical bills and any legal costs
How much coverage do married couples need?
The right amount of renters insurance coverage depends on the quality and value of the stuff you’ve collected over the years together. Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your shared space and add up replacement costs for everything: his gaming setup, her jewelry collection, wedding gifts still in boxes, furniture you splurged on, and those three coffee makers. That number should be your personal property coverage limit.
Read moreLoss of use coverage
The amount of coverage ranges from $3,000 to $200,000. Think hotel costs, meals out, and other living expenses if your place becomes unlivable. You're past the couch-surfing stage - decent accommodations will cost you thousands per week.
Read morePersonal liability coverage
Lemonade's liability coverage starts at $100,000, covering medical expenses and legal fees if your housewarming party goes sideways or if you accidentally damage your neighbor's property. Your landlord probably specifies minimum coverage in your lease.
Read moreHow much does renters insurance cost for married couples?
Renters insurance for married couples costs more since you’re covering more stuff, but it’s still affordable. As of 2025, Lemonade averages $16/month with prices starting at $5/month. Location, coverage limits, and deductible determine how much you’ll pay.
Married couple renters: By the numbers
Married couples spend almost $25,000 annually on rent, plus all the belongings that make a rental home. That’s why renters insurance coverage is essential. The numbers show the scale and spending power of this population:
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
Why Lemonade is the best choice for married couples?
We might be biased, but Lemonade was designed to shine for married couple renters
Bundle and save
Get a discount when you bundle renters insurance with car insurance or other types of coverage. Enjoy savings and the convenience of managing everything in one place.
Built for couples
Seamlessly covers both family members with automatic protection for shared and individual belongings. One policy covers everything you need.
Instant quotes
Get an insurance quote in under 90 seconds. No waiting on hold or scheduling appointments, everything happens instantly online with our streamlined process.
Renters insurance for married couples FAQs
Do we need separate renters insurance policies or can we share one?
Married couples can share one renters insurance policy that covers both spouses. This is usually cheaper and simpler than maintaining separate policies. Both of you are listed as named insureds on the policy.
What happens to our individual renters policies when we get married?
You’ll want to combine them into one joint renters insurance policy. Contact your insurance company to add your spouse and cancel duplicate coverage, avoiding gaps in insurance coverage.
Are engagement rings and wedding jewelry covered under renters insurance?
Basic personal property coverage includes jewelry up to policy limits, but expensive rings may need Extra Coverage through an endorsement for full replacement cost protection.
If we both work from home, does renters insurance cover our home offices?
Personal computers and basic equipment are covered under personal belongings coverage, but extensive business equipment may require additional property insurance or business coverage.
What if we have different last names after marriage?
Yes. Most insurance companies offer discounts when married couples bundle renters insurance with car insurance or other coverage options. At Lemonade, bundling is especially rewarding, you’ll get a discount on each policy when you combine renters, car, homeowners, or pet insurance. Plus, our AI-powered platform makes managing multiple policies seamless, with one app handling everything from quotes to claims.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of December, 2025. Claims data is sourced from internal Lemonade data as of December 2025. Sources: 1. https://www.bankrate.com/real-estate/single-vs-married-housing 2. https://www.rubyhome.com/blog/renting-stats/#renter-demographics 3. https://www.doorloop.com/blog/renter-and-homeowner-statistics
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