Renters Insurance for Newlyweds
Just got married? Get renters insurance for when two lives become one lease. Protect your stuff starting at only $5 a month.
What is renters insurance for newlyweds?
Renters insurance is coverage that protects your personal belongings, provides liability protection, and covers additional living expenses if your rental becomes unlivable. Your old worry list: laptop, maybe some furniture. Your new worry list: his stuff, her stuff, plus every wedding gift still in boxes.
You now have double of everything except what you actually need.
What does renters insurance cover for newlyweds?
Your place now holds two lives’ worth of stuff plus wedding gifts. Understanding what renters insurance covers helps protect your new combined life. Here’s what’s covered:
- Belongings Pre Marriage
- Wedding Gifts
- Clothes & Shoes
- Engagement & Wedding Rings
- Cash gifts
- Electronics & Gadgets
- Fine Dinnerware Sets
- Furniture & Home Decor
- Sports & Hobby Equipment
- Appliances & Cookware
- Heirlooms & Antiques
- Tools & Camping Gear
Not covered: Floods, earthquakes, and his broken gaming controller after you threw it during your first big fight.
How does Lemonade protect newlyweds?
Newlywed life creates unique insurance needs most couples don’t expect, especially when you’re still adjusting to sharing space full-time. More visitors, more accidents, more reasons for solid coverage. We’ve got you covered:
Personal belongings
Two lives merged into one apartment means double the stuff and way higher total value to protect.
Expensive jewelry
That wedding ring deserves more than basic coverage. Add Extra Coverage to protect it (and other valuables) at full value.
Wedding gift haul
Cash gifts, fancy appliances, and high-value homeware from your registry create new risks to insure.
How much renters insurance do newlyweds actually need?
The right amount depends on how much stuff you’ve accumulated since saying “I do” and your lifestyle as a newly married couple. 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
Coverage ranges from $3,000 to $200,000. Think about hotel costs, takeout meals, and other expenses if your love nest becomes unlivable due to covered damage. One week in a decent hotel will cost you thousands, while your place is being repaired.
Read morePersonal liability coverage
Lemonade's liability coverage starts at $100,000, covering medical bills and legal fees if someone gets hurt at your housewarming party or if you accidentally damage someone else's property. Your landlord probably specifies minimum coverage in your lease, so check those adulting documents you signed together.
Read moreHow much is renters insurance for newlyweds?
Renters insurance starts at just $5/month for newlyweds. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay. Use the calculator below to get your estimated cost.
What’s the best renters insurance for newlywed couples?
We might be biased, but Lemonade was designed to shine for Newlywed renters
All in the app
Quote, manage, and claim all from your phone. Perfect for couples who do everything together, including insurance.
Coverage for you
Fully customize your coverage for your new life together. No cookie-cutter policies for your one-of-a-kind love.
Claims paid fast
Claims paid faster than you can say "I do.” Quick resolution so you can get back to being with your loved one.
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.
How much do newlywed couples spend in the first year?
From “I do” to “we did it”, couples spend significant amounts in their first year together on purchases that make their rental truly theirs. Check out typical spending:
Spending that much won’t leave you with much to spare if something goes wrong, which is why renters insurance is essential. Get a quote in minutes with Lemonade’s 100% digital process.
Common newlywed insurance mistakes
Newlyweds make predictable insurance mistakes that are easy to avoid. Here’s what not to do (and what you should do instead):
| What not to do | What newlyweds should do |
|---|---|
| Only one spouse listed on the policy | Both spouses covered on one policy for complete protection |
| Underinsuring jewelry | Adding Extra Coverage so both rings are insured to their full value |
| Forgetting to update address after moving | Update your policy instantly when you move to your shared place |
| Assuming all wedding gifts are fully covered | Document high-value gifts and adjust coverage limits accordingly |
| Not documenting pre-marriage possessions | Create inventory of both partners' belongings before combining households |
How newlyweds can save on renters insurance rates
Renters insurance coverage is generally quite affordable (especially when you’re married), but there are still some ways you can save even more:
Bundle
Bundling with car or pet insurance for multi-policy discounts. Because managing fewer accounts = more time for each other.
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Easy savings you didn't even know you had.
Renters insurance for newlyweds FAQs
Do both spouses need to be named on the same policy?
Yes, both spouses should be listed as named insureds on your renters insurance policy to ensure you’re both fully protected. This way, both of your belongings are covered under one policy, and you get better insurance rates than maintaining separate policies.
What if one of us already has renters insurance?
You can add your new spouse to your existing renters insurance policy rather than getting a separate one. Just contact your insurance company to update the policy with your spouse’s name and be sure to add any additional personal property coverage. This is usually cheaper than maintaining two separate insurance policies.
Will adding my spouse change our insurance premiums?
You can add your spouse to your Lemonade Renters policy free of charge. The only way being married might increase your premium is that you may need higher coverage limits, since you’ll have more stuff to cover.
Are our expensive wedding rings and gifts covered?
Basic renters insurance has exclusions and only covers jewelry up to $1,000-$2,000. For pricier wedding rings, you’ll need Extra Coverage, which also covers more events, like accidental damage or disappearance. Wedding gifts are usually covered under your regular personal property coverage, but expensive items might need additional protection.
We're traveling for our honeymoon, does renters insurance cover theft abroad?
Your renters insurance covers your personal belongings anywhere in the world, even during your honeymoon. If your luggage gets stolen or your camera gets damaged while you’re exploring Paris or Bali, you can file a claim. Just keep receipts and document any theft with local police reports for the smoothest claims process.
Should we bundle our renters insurance with other types of insurance?
Yes. Most insurance companies offer discounts when newlywed 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 January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Sources: 1. https://www.zola.com/expert-advice/whats-the-average-cost-of-a-wedding 2. https://www.zola.com/expert-advice/save-money-on-honeymoon 3. https://nelsonwesterberg.com/blog/is-5000-enough-to-move-out
Continue Reading
Your Ultimate Apartment Moving Checklist
How to prepare for a move, without the stress.
Can You Transfer Renters Insurance to a New Address?
Get the right coverage for your new digs.
What Is Moving Insurance?
Make sure you get the right insurance for the big day and make the process stress-free.
Does Renters Insurance Cover Jewelry
How to choose the best coverage for your precious jewels.
Does Renters Insurance Cover Natural Disasters?
Protect your stuff against unexpected catastrophes.
Jewelry Insurance
How to choose the best jewelry coverage for your lifestyle.