Renters Insurance

Get a renters insurance quote in minutes. Could you get coverage for less than $1/day? Let’ see, start a quote now, it’s safe, secure, and easy.

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(877) 334-7646

  • Nationwide Renters Insurance
  • Safeco renters insurance
  • Berkshire Hathaway GUARD
  • Progressive insurance
  • Travelers renters Insurance
  • Allstate insurance
  • CSE renters Insurance
  • Dairyland Insurance
  • Liberty Mutual
  • MetLife Renters Insurance
  • Infinity
  • Aegis renters insurance
  • The Hartford
  • NatGen Renters Insurance
  • Kemper Renters Insurance

What is renters insurance?

Renters insurance helps protect your belongings and pay for unexpected expenses when claims happen. In addition, a renters policy can also help you pay for medical bills if you’re responsible for someone else’s injuries when at you home, and temporary living expenses if you’re forced to relocate temporarily because your home is uninhabitable due to a covered claim.

How to save on renters insurance

Saving on renters coverage just starts with a quote. In fact, many of the discounts are automatically applied, saving you both time and money. But it’s always a good idea to know what to expect. Check out some of these ways to save on a renters policy.

Renters Insurance in Full

Pay Premium in Full

This is a super easy discounts to earn. A renters policy is generally pretty affordable, making paying in full more attractive than a home insurance policy. When you pay in full you save each renewal.

Secured Community

Secured/Guarded Community

If your community has a guard gate, you need to use a key or remote to enter, you may be able to get a discount with certain insurance carriers.

Bundle Auto & Home

Bundle with auto insurance.

It’s called a Multi-Policy discount. Bundle multiple insurance policies with the same company (like renters & car or motorcycle), and you could save … BIG time. Learn more about bundling.

Get personalized renters insurance coverage at the right price

A renters policy is designed to protect you financially when unexpected events happen. From theft of your personal belongings to injuries to visitors, your renters coverage is there to assist. When you quote renters insurance online with us, you can customize your coverage and compare rates with our A+ rated insurance carriers.

Personal Property

Liability Coverage

Loss of Use

Who needs renters insurance?

Who Buys Renters Insurance

A renters policy isn’t for everyone

Renters insurance isn’t for everyone, it’s for those who are renting an apartment, home, condominium, or any other dwelling. It’s not to be mistaken with insurance for a landlord, who is renting out their property. That’s a landlord protection policy.

If you are renting your home, condo or apartment, and you landlord or complex requires insurance, just get a renters quote online with us. If you buy, we can send proof of insurance to your landlord or property manager and help you get into you new home super easy.

Renters policies issued with us normally have a minimum of $25,000 worth of personal property coverage, but you can always buy more if needed. If your personal property is stolen or damaged in a fire, your landlord typically won’t cover anything. That’s why you need renters coverage to help protect everything you own.

Get a Renters Insurance Quote

Compare renters insurance quotes online in minutes. It’s safe, secure and easy.

Rather speak with an insurance agent?
(877) 334-7646

Home Insurance Shopping Tips

Got questions about renters insurance?
Look no further.

How much renters coverage do I need?

The amount of coverage needed primarily depends on two factors:

  • How much personal property do you have?: Taking a home inventory can help you determine the combined worth of all your stuff. For example, if your belongings total $30,000 in value, then you need at least that much in personal property coverage.
  • What is your net worth?: If you’re liable for someone else’s injuries or property damage, you need enough liability coverage to cover what you have to lose. For instance, if your assets add up to $100,000, you need at least that much in liability coverage.

What DOESN’T a renters policy cover?

Your renters policy won’t cover certain incidents, including damage or injuries resulting from:

  • Termites, rodents, bedbugs, and other pests
  • Flooding, earthquakes, and sinkholes
  • Aggressive dog breeds (check with your provider for details)

Additionally, while your belongings stolen out of your car are covered under renters insurance, the actual vehicle is not.

Why do landlords require renters insurance?

While landlords likely have an insurance policy in place to cover damage to their rental property, a renters policy protects against damage to the renter’s belongings — which means less liability for landlords if the tenant’s stuff is damaged or a tenant causes damage to another tenant’s unit. Moreover, if there is a fire or significant damage to the rental, causing the renter to live elsewhere while the repairs are made, additional living expense coverage on a renters insurance policy can pay for temporary housing.

Some landlords may require you to list them on your renters insurance policy before you can move in.

Does renters cover flooding?

A renters policy won’t cover damage due to flooding. For that you need a flood insurance policy. However, your personal belongings are typically covered if the water damage is sudden, accidental, and comes from inside the residence.

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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