What is an interested party on a renters insurance policy?

An "interested party" can refer to a person or a business, such as a landlord or property management company. The insurance company will notify an interested party of changes to your policy as it applies to a renters insurance policy. These changes might include whether you have a policy, if the policy gets canceled or non-renewed, or if you make a change to your coverages or limits.

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How does adding an interested party affect my renters insurance policy?

Listing an interested party on your renters policy should have no effect on the cost of renters insurance. Adding an interested party is for informational purposes only. In some cases, a landlord or a property management company will require a renters insurance policy in your rental or lease agreement. Listing a landlord or property management company as an interested party serves as proof of your renters insurance. It will let them know of any changes that could affect your rental agreement. Learn more about how renters insurance works.

Why does my landlord need to know I have a renters insurance policy?

Your landlord wants to make sure you have purchased insurance for liability purposes. Simply knowing that you have a renters insurance policy because you've added the landlord as an interested party may make the landlord more confident about having you as a tenant.

Do I have to add my landlord as an interested party on my renters insurance?

Your landlord may require you to have renters insurance. They may also require you to include their name as an interested party on your policy before you’re able to move in. If they don’t ask to be listed as an interested party, then you don’t have to add them.

Once I’ve added my landlord as an interested party, can I take them off my policy?

Your rental agreement may be require you to keep your landlord listed on your policy for the duration of the policy. If you move to a new residence with a new landlord, remove the previous landlord as an interested party and add the new landlord in their place if the new landlord requires it. Some insurance companies allow you to make the change on their website while others may require you to send a form with the change request. Contact your insurer to determine how to remove an interested party from your policy if you have additional questions or concerns.

What is the difference between additional interest vs. additional insured?

An additional insured is different from an additional interest. Your landlord shouldn’t be listed on your renters insurance policy as an additional insured. Having an additional insured on your renters insurance means that you would be paying to cover them and their personal property too. Renters insurance is designed to cover you, not your landlord, and they should have their own insurance policy in place.

How to add an interested party to renters insurance

If you're a current or new Progressive customer, we can add an interested party to your renters insurance policy:

Current Progressive customers

Call us at phone-number to make changes to your existing policy.

New Progressive customers

Get a renters insurance quote online or call us at phone-number and let us know who should be added to your policy as an interested party.

Get a renters insurance quote online or call for advice

Learn more about renters insurance.