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Jetty Renters Insurance Review

6 Customer Comments & Reviews - see all comments
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Jetty is a New York-based financial services company that sells three products for everyday renters: renters insurance, a security deposit replacement, and a lease guaranty.

Jetty Renters Insurance offers four basic types of coverage:
● Contents coverage, which is protection for your belongings.
● Loss of use coverage, which helps with living expenses in the event a covered loss makes your place uninhabitable.
● Liability coverage, which protects you if you’re financially liable to someone else (perhaps as a result of damaging their property, for example).
● Medical payments to others coverage, which helps pay someone else’s medical bills due to a no-fault incident on or near your property.

Jetty is available to renters in 46 states, including Washington, D.C.

How is Jetty rated?

Breakdown

4.5/5
Coverage Options
4.0/5
Add-Ons & Discounts
4.5/5
Customer Service
4.5/5
Financial Strength

Overall Rating: 4.4 / 5 (Excellent)

Jetty offers flexible, affordable, and comprehensive renters insurance. These are all solid advantages that offset a relative lack of significant discounts and no online claims process. Largely positive Member feedback online and policies that are easy to understand help improve the company's reputation. Consumers should keep in mind that Jetty does not offer insurance policies in the states of Florida, Hawaii, Indiana, Missouri, and North Carolina. We recommend Jetty to anyone in their coverage zone looking for customizable policies at affordable rates. Jetty is particularly great for modern renters who are looking to protect their portable electronics (e.g., phones, laptops, AirPods, tablets, and more) from breakage, theft, and loss.

Jetty Coverage

Coverage Options - 4.5 / 5

Jetty Renters Insurance policies include all basic types of coverage. Additionally, coverage is global, which means no matter where something happens to Member belongings, Jetty can cover it. The company provides additional coverage options for valuables and personal electronics. When property is damaged, Jetty pays for what the item would cost to replace it.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Medical Payments
Optional Coverage
Off-premises Event Coverage
Extra Coverage
Property Valuation Methods
Replacement Cost

Exclusions

Certain dog breeds are excluded from Jetty Renters Insurance liability coverage, depending on the state. These breeds include the: Akita, Alaskan Malamute, Pitbull, Rottweiler, German Shepherd, Doberman Pinscher, Chow Chow, Presa Canario, Staffordshire Bull Terrier, Great Dane, St. Bernard, Mastiff, Cane Corso, Siberian Husky, Husky, and Wolf mix.

Pricing & Discounts

Add-Ons & Discounts - 4 / 5

Renters insurance policies with Jetty have several deductible options ranging from $100 to $2,500, and a maximum liability coverage of $500,000. Jetty features discounts for home and household services or items, such as Airbnb and Casper, certain food and drink outlets, personal finance through SoFi, and online courses on General Assembly. Moreover, paying for policies on a yearly basis instead of per month results in a discount of $25. Using a sample profile, we managed to obtain annual premiums starting at $125.
Annual Premium
Starting at $125
Deductible Options
$100, $250, $500, $1000, $2500
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection

Discounts Fine Print

Paying for one of Jetty's renter's insurance plan annually instead of monthly saves customers $25.

Customer Experience

Customer Service - 4.5 / 5

Jetty launched in 2015 and, as such, it is unsurprising to see it does not have a presence on the BBB or on Trustpilot. Jetty provides Members with 24/7 support and claims service via phone. Claims can be filed and tracked by calling company representatives. Once the value of a settled claim is decided, the Member’s deductible is subtracted from it and the balance is paid out. Potential Members can use the website’s coverage cost calculator and online quote generator to get a rough idea of what insurance with Jetty will cost them.

Financial Strength Ratings

Financial Strength - 4.5 / 5

Jetty policies are underwritten by State National Companies, Inc, a publicly traded group of insurance companies founded in 1973. The group has a Superior A+ rating with AM Best. Additionally, Jetty also works with the Munich Re Group, one of the oldest and largest reinsurance companies in the world. Jetty itself was founded three years ago in 2015.
Underwriter
State National Companies, Inc
AM Best Financial Rating
A+
Company Type
Subsidiary/ Partner
*The above information reflects the financial strength of the underwriter of the Jetty renters insurance policies: State National Companies, Inc.

Contact & Additional Information

Homepage URL
Company Phone
(917) 991-9080
Headquarters Address
37 W 20th St, Suite 301, New York, NY, 10011
Year Founded
2015

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6 Customer Comments & Reviews

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Lee C
7/18/2020
I'm with Jetty for my renter's insurance. Even renewed for a second year as had no issues other than not being able to change things on the website myself, but the one time I needed to make a cell phone claim (which I paid extra for), I realized that I had made a mistake trusting them. The claim number on the website is a third party, which does not have any information or work for Jetty. The customer service number just says everything must be done by the website and hangs up. It's took 2 weeks since I filed a claim to eventually receive any communication; I've followed up by email (since that's the only option) and still nothing. I then received a confirmation they had the claim,... Read More


C
Chris
4/29/2020
You get what you pay for. It’s cheap but they have numerous technical issues. Their website is not very functional most of the time. It’s a pain to deal with, but it’s cheap. If you can afford it, go elsewhere.


bookauthorlelfascod
4/16/2020
Thus far I am not having. Good experience with Jetty and my adjuster. In which I decided to discuss with the Insurance Commissioners office to file a complaint, against some of their practices and the adjuster on my claim


ali.mosahebi
3/10/2020
Jetty insurance stole my money and I could not resolve the issue through them. I bought their rental insurance for a year. I moved out from the place last year. I gave them a call that I am moving out. Apparently they did not apply that and even have a record of that!!! They charged me for a whole year while I was not renting in that property. I just noticed that when they tried to charge me again this year. I did not give them any authority to charge my credit card and I did not even signed for auto charge. They are making money out of customers like me who do not check their credit cards regularly. This company is horrible. avoid it.


R
Rad
9/13/2019
The above rating does not do this company justice, they just collect the money, when it come to pay up, it's been a disaster. I had my house broken in and lost some electronics. The adjuster company gave me a quote that I said was fine, but was not entirely happy, for which they "said" they sent me a check which I never received. When I checked back with them they said they will consider it lost and reissue a new check for which I have to give them a notarized form with my social security number and mail it back to them. I asked them for a tracking number and they said they did not have one. Mailing a thousand dollar check without a tracking number? I raised the concerns with the... Read More


M
Mr. J
1/18/2019
This insurance is horrible! They do not represent their product. They do not even manage the claims. They collect money, that is all they do. They use Garret Basset claims to manage the claims and Garrett Bassett uses Frontier to manage the field adjusters. They use Home Link to manage the relocation of temporary housing. I had a terrible experience with them and a claim. They did not even have a field adjuster to my unit until nearly 15 days after a flood. I was lied to that the field adjuster called me 3x and left a voicemail! No way! They just decided to stop covering additional living expenses and were given ample, ample discovery that stated that they were premature in doing so. Do... Read More



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