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Root Insurance Company Renters Insurance Review

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Root Insurance Company is a car and renters insurance provider based in Columbus, Ohio. It was founded in 2015 and currently offers renters insurance in six states -- Arkansas, Georgia, Missouri, Tennessee, Ohio and Utah -- with plans to expand into Kentucky, Nevada and New Mexico in the near future.
 
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How is Root Insurance Company rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Root Insurance Company is a new entrant into the renters insurance space and it's poised to be a competitive one if its prices are any indication. But there isn't a lot of information about its service, either from third-party ratings agencies or from customers. That's something to weigh as you consider your options. Still, it may be worth getting an online quote from Root Insurance Company just to see how it stacks up. Its online quote tool is simple and it only takes a few minutes.

Root Insurance Company Coverage

Coverage Options - 0 / 5

Root Insurance Company offers all the basic rental insurance coverage you'd expect, including coverage for your personal property and liability coverage in case you're found responsible for damage to your rental. All policies also include coverage for medical payments and for additional living expenses if you're forced to vacate your rental for some reason. It doesn't have the array of optional coverage some of its competitors do, but for those who just want a solid renters insurance policy without any frills, Root Insurance Company is an affordable choice.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Medical Payments

Pricing & Discounts

Add-Ons & Discounts - 0 / 5

Root Insurance Company offers a multi-policy discount for those who bundle car and renters insurance and a discount for paying annually as opposed to monthly. It doesn't offer any discounts for property features, like a sprinkler system, but its rates remain affordable nonetheless, and with three policy options to choose from, it shouldn't be too difficult to find one that suits your coverage needs and budget.
Annual Premium
Starting at $100
Deductible Options
$500
Maximum Liability Coverage
$0
Annual Premiums
This is for Root's Base plan, which includes $10,000 of personal items coverage, $100,000 of liability coverage, $3,000 loss of use coverage, and $1,000 of medical expense coverage with a $500 deductible

Customer Experience

Customer Service - 0 / 5

There aren't many third-party reviews of Root Insurance Company, and particularly its newer renters insurance product, at this time. But it has received a number of positive reviews on the company's website and it maintains an A+ rating with the Better Business Bureau, suggesting it's prompt and responsive to customer concerns when they arise.

Customer Ratings

TrustPilot Rating
2.7 out of 5
BBB Rating
A+
Number of BBB Positive Reviews
16
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
102

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.0
NAIC Total Complaints
0
*The NAIC complaint ratio (in this case 0.0) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

Financial Strength - 0 / 5

Root Insurance Company is still fairly young, especially in the world of insurance where most of the big names today have been around for decades, if not over a century. We weren't able to track down any financial strength ratings, which makes it difficult to gauge how the company stacks up to other competitors in this space. The company is growing and expanding rapidly, which is an encouraging sign, but without these rankings, it's still a bit more of a gamble than some other companies in the renters insurance space.
Underwriter
Root Insurance Company
Company Type
Underwriter
*The above information reflects the financial strength of the underwriter of the Root Insurance Company renters insurance policies: Root Insurance Company.

Contact & Additional Information

Homepage URL
https://www.joinroot.com/
Company Phone
(866) 980-9431
Headquarters Address
80 E. Rich St., Ste. 500, Columbus, OH, 43215
Year Founded
2015

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