Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 19, 2022

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The Lowdown

  • Roost is renters insurance that is only available to residents of properties who use the AppFolio system
  • There are some unique coverage options available through Roost
  • Roost’s average rates are veiled, so it is difficult to compare quotes unless you have already applied

Renters insurance is something you don’t think about until you need it. Many rental properties now require their residents to hold at least liability renters insurance. It is common for larger rental properties to enter into contracts with certain insurance companies. Insurance products available through these contracts are exclusive to residents of these properties.

If your rental company uses the AppFolio software system, they likely offer residents Roost renters insurance. Roost has unique benefits but poor customer reception. Furthermore, their pricing is opaque to the public, so you won’t know your rates until you apply.

If you get presented with the opportunity to purchase Roost insurance, you should first explore other options. By shopping around and comparing quotes, you can get the right coverage for your situation at an affordable price.

What is Roost renters insurance?

Roost is a type of property exclusive renters insurance. Rental companies who use the AppFolio software system may offer Roost renters insurance to their residents. Roost is not an insurance company but a product sold by the AppFolio company.

Millennial Specialty Insurance writes Roost’s renters insurance policies. Millennial Specialty Insurance acts as a broker between Roost customers and a few insurance underwriters. The three underwriters that work with Millennial Specialty Insurance are Spinnaker Insurance, Century-National Insurance, and Cypress Property & Casualty.

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Where is Roost renters insurance available?

Roost is a product available to residents of properties who use the AppFolio software system. This insurance option is available in all 50 states and the District of Columbia. Depending on your state, the company underwriting your policy may vary:

  • Cypress Property & Casualty underwrites Roost’s policies for Florida residents.
  • Century-National Insurance underwrites the policies for properties in Colorado, Connecticut, Maine, Montana, New Jersey, Utah, Vermont, and Washington.
  • Spinnaker Insurance is the company that Roost works with to underwrite policies for all other states.

Suppose you want to purchase Roost renters insurance, but your leasing company does not work with the AppFolio system. In that case, you will have to search elsewhere. Roost is an exclusive product only available to select customers.

Roost Renters Insurance Reviews and Ratings

It is difficult to determine the reviews and ratings for Roost itself, as it is an insurance product, not a company. To get a better idea of the customer reception for Roost, let’s take a look at the ratings for the three underwriters that provide policies.

InsurerNAIC Complaint IndexA.M. Best Financial Strength Rating
Century-National Insurance1.52A+
Cypress Property & Casualty0.21A
Spinnaker Insurance0.66A-
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The National Association of Insurance Commissioners (NAIC) Complaint Index indicates the number of customer complaints compared to a company’s size. The national average is always one, and individual ratings are weighted in relation to this average.

Anything above one indicates that a company has more complaints than their size suggests they should. Cypress Property & Casualty and Spinnaker Insurance both have a complaint index under one, which is a good sign. Century-National Insurance is only slightly above average. Altogether, this suggests that Roost’s underwriters have a solid reputation.

A.M. Best financial strength ratings indicate a company’s financial future. This sheds light on whether a company can pay out claims to its policyholders. All three underwriters have an A.M. Best rating of A- or above, which indicates a strong financial footing.

Customer reviews are a bit harder to come by for Roost renters insurance. There are a few complaints from Roost customers regarding difficulty filing claims. Additionally, some customers have expressed that they’ve encountered issues with customer service, especially when attempting to cancel their policy.

If you need to cancel your policy or file a claim, there are a few ways you can contact Roost’s customer service:

  • Roost renters insurance email: [email protected]
  • Roost renters insurance phone number: 844-788-0877

If you just need to review information on your policy, you can use your Roost renters insurance login on the company’s website to access your account.

You can also talk to your property manager, who might be able to file a claim on your behalf. You will still need to contact Roost directly to cancel your policy.

What are the benefits of Roost renters insurance?

Roost renters insurance offers a few unique benefits for their customers. One notable plus for purchasing Roost renters insurance is the ability to cover your roommates. Roost allows you to add your whole household to a single policy at no extra charge, which is a unique benefit that you won’t find available from many renters insurance companies.

Another reason you may choose Roost is that they cover negligent water damage. If your unit suffers water damage, it will be covered no matter who is responsible. Even if it is your fault, either due to a leak that you did not mention to your landlord or overflowing faucets, Roost will still cover damages.

Personal property coverage limits are a bit low, capped at $75,000. Despite this lower limit, Roost pays out claims at actual replacement cost. If your belongings are destroyed or stolen, you will receive payment for purchasing new replacements — regardless of the age and wear and tear of your original items.

Finally, if you take your personal belongings outside of your unit, they will still be covered under your Roost renters insurance policy. This is an awesome plus that you typically find in homeowners insurance policies.

Due to the opacity of Roost’s policy information, it isn’t easy to discern any other significant benefits. Individual rates and the claims process are not mentioned on Roost’s website. Furthermore, you cannot obtain a quote from Roost without going through your property manager.

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Why should you choose a different renters insurance?

If you have expensive belongings that would cost more than $75,000 to replace, then Roost is probably not ideal for you. Furthermore, if you are looking for renters insurance with excellent customer service, Roost may fall short.

Because there is no transparency around Roost’s rates, comparison shopping isn’t feasible. Of course, after you get your renters insurance quote through your landlord or property manager, you can check Roost’s rates against other options in your area.

Roost is ideal if you have a lot of roommates or if you want guaranteed water damage protection. In all other circumstances, you should first weigh your options before you purchase Roost renters insurance.

Is Roost Renters insurance right for you?

If your rental property manager uses the AppFolio software suite, you might have Roost renters insurance presented to you as an option. Roost has mixed reviews but overall is a fairly standard renters insurance option. After receiving your quote from Roost, you would benefit from doing some comparison shopping.

By comparing quotes from a handful of different renters insurance companies, you can see if you’re really getting the best deal from Roost. Generally, you want to research your options before applying for a policy. If you don’t mind the credit check, you can get your quote and see how it stacks up.

Despite the lack of reliable information about Roost renters insurance, we hope this article helped answer some of your questions. If you’re ready to buy a renters insurance policy, you should do a little research before signing on. When you compare quotes from the top renters insurance companies, you can be sure you’re getting the right coverage at the most affordable price.