Can I up the liability limit on my renters insurance even though I've already paid for the year's worth?

principium

New member
So, essentially, my apartment complex wants us to have renters insurance with a $300,000 liability limit (per person) by the time our lease renews, and I only just learned about this.

I only just got my renter's insurance last month, it's bundled with my car insurance, but I had the opportunity to pay the renters insurance for the whole year of my lease (it was cheaper in the long run, I had the money to do it, and I'm not planning to move for a few years so there was not really a risk of my rates raising to my knowledge)

The lease on my apartment doesn't renew until February, but my renters doesn't renew until the end of July next year. I already tried seeing if I can change my limits online, but it doesn't give me that option. If I call and ask to change the limits on my coverage, could they do it? I want to know just so I don't waste my time on a phone call for nothing. And I am completely fine with paying the difference for adding more coverage.

For extra context, I am living with my boyfriend and one of our other friends. My boyfriend has offered to add me onto his renters insurance, but I don't know if that will affect my car insurance since it's bundled, and I'm insured with Progressive. (Just incase :) )
 

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