Renters Insurance
Affordable Renters Insurance for Robust Protection. Get your renters insurance quote today, and ensure your stuff is protected for a low cost. We're happy to help you get the coverage you deserve.
What is Renters Insurance?
Renters insurance is an affordable way to protect your personal belongings and offer financial security when the unexpected happens. While your landlord's insurance covers the building, it doesn't extend to your property or liability. With renters insurance, you gain coverage for your personal items, liability in case of injuries, and even unexpected living costs if your rental becomes uninhabitable due to a covered event. It's a low-cost solution that provides peace of mind, ensuring your valuables, your home, and your finances are protected.
How Much is Renters Insurance?
How much you pay for renters insurance depends on the amount of coverage you choose and the deductibles you select. The good news is that renters insurance is generally affordable. Using our personal property calculator, you can customize your policy to fit your needs. For more details, check out our personal property coverage page. You can also create a virtual inventory list using our Personal Property Scanner in our mobile app.
Should I Get Renters Insurance?
You should get renters insurance if you rent an apartment, house, or condo because it protects your personal belongings from unexpected events like theft, fire, or water damage. Your landlord's insurance will cover the physical structure itself, but it won't safeguard you from loss. Without renters insurance, you'll have to pay out of pocket to repair or replace your personal items. If you rent an apartment, condo, house, etc., you need renters insurance.
Renters insurance requirements may differ by state. If you're wondering about renters insurance requirements in your state, visit our State-Specific Renters Insurance Guide to learn more about coverage options and regulations.
Personalized Coverage for Renters
What Does Renters Insurance Cover? A renters insurance policy provides low-cost coverage for you and your belongings.
Fire & Smoke Damage
Helps pay to repair or replace your belongings if they're damaged or destroyed by fire or smoke.
Example: If a candle tips over and causes a fire, your policy may help cover the cost of replacing your furniture.
Vandalism & Theft
Offers protection if someone breaks into your home and steals your belongings.
Example: If your laptop is stolen from your apartment, your renters insurance could help pay to replace it.
Weather Impact
Covers certain types of damage to your belongings caused by covered weather events.
Example: If a severe storm shatters your windows and damages your furniture, your policy may help.
Water Damage
Helps pay to repair or replace your belongings if water damage occurs due to a covered event, like a burst pipe.
Example: If a pipe bursts and ruins your couch and electronics, your policy may help cover the costs.
Visitor Injuries (Liability)
Covers you if someone gets hurt in your rental and you're legally responsible.
Example: If a guest trips over a rug in your apartment and breaks their arm, liability coverage could help pay medical bills.
Items Covered by Renters
Includes your personal property like electronics, furniture, clothes, and bikes, even when traveling.
Note: If you have valuable jewelry, like engagement rings, you may want extra protection with a separate jewelry insurance policy.
Renters Insurance Discounts and Savings
How much you pay depends on how much coverage you choose. The good news is a renters insurance policy can cost as little as $12 per month! Check out how much you can save on rental insurance with discounts!
Bundling Renters and Auto Insurance
See how much you could save when you bundle renters insurance with your auto insurance policy.
Home Security Systems
If you are renting in a building with security staff or if you installed a burglar alarm, you may qualify for another discount.
Sprinklers or Smoke Alarms
Smoke alarms and sprinklers save lives and could save you money with a discount on renters insurance. Same goes for fire extinguishers.
Save Time Managing Your Renters Insurance Policy
We make it simple to manage your renters insurance policy online — add coverages, make a payment, or file a claim anytime.
Additional Renters Insurance Coverage
Endorsements are "add-ons" to your renters insurance policy that provide extra protection for certain items. Check out the additional types of coverage that may benefit you.
Policy Service and Claims
Contact our agency partner for help with:
- Payments
- Policy changes
- Additional policy info
Understanding Your Renters Insurance Policy
Renters Insurance FAQs
Get Renters Insurance
Start QuotePlease note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
Renters coverages are written through non-affiliated insurance companies and are secured through our partner agencies.
The information you provide will be shared with our business partners so that they can return a quote.
*Some discounts, coverages, payment plans and features are not available in all states or from all carriers. Availability and savings vary by location and individual circumstances.