Renters Insurance
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What is renters insurance?
Renters insurance helps protect your belongings and can pay for unexpected expenses when claims happen. In addition, a renters policy can also help you pay for medical bills if someone is injured at your home. If your home is damaged from a covered loss, it can also provide 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.
Pay Premium in Full
This is a super easy discount 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/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 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 the theft of your personal belongings to injuries to visitors, your renter’s 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
Coverage for personal property includes clothing, electronics, furniture, tools, and appliances. Your possessions are covered against incidents including fire, theft/vandalism, tornadoes, and water damage. You may need extra coverage for jewelry or other expensive items, which you can add during the renter’s insurance quote process.
Liability Coverage
Personal liability insurance protects your assets if you or your family members are determined to be financially responsible for someone else’s damage or injuries. This coverage also provides coverage for lawsuits. In some instances, you can add optional coverage for libel, slander, and other lawsuits.
Loss of Use
If your place is damaged and uninhabitable from a covered incident, renters insurance can pay for your additional living expenses and even pays you back pay for meals (above what you’d normally pay).
Who needs renters insurance?
A renters policy isn’t for everyone
Renters insurance isn’t for everyone, it’s for those who rent an apartment, home, or condominium. If you rent investment property to other people, you don’t need a renters insurance policy, you need a dwelling fire or landlord protector.
If you are renting your home, condo, or apartment, and your landlord requires insurance, you can start a quote online. We can even send proof of insurance to your landlord or property manager, helping you to get into your new home.
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.
Renters Insurance Tips
How Much Does Renters Insurance Cost?
What is Renters Insurance?
What is a Property Deductible?
Get a Renters Insurance Quote
Compare renters insurance quotes online in minutes. It’s safe, secure and easy.
- Vehicle Insurance
- Auto
- Motorcycle
- Classic Car
- Boat/Yacht
- Quote & Buy Online
- Mexico Tourist Auto
- Mexico Motorcycle
Rather speak with an insurance agent?
(877) 334-7646
Got questions about renters insurance?
Look no further.
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.
Your renter’s 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.
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.
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.