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Renters Insurance

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

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

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.

Renters Insurance 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 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

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.

Renters Insurance Coverage

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 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

Renters Insurance Cost
How Much Does Renters Insurance Cost? If you need to buy renters insurance, then you’re looking for answers to the question, how much does renters insurance cost? Generally speaking, renters insurance is relatively inexpensive when compared to home insurance. In fact, you can even get a discount if you bundle renters insurance with your auto […]
Renters Insurance Cost
What is Renters Insurance and Do I Need It? You just rented a new home and your landlord is asking for a copy of your renter’s insurance policy. You tell them, “No problem.” Then it dawns on you, what is renters insurance anyway? Does it protect me or my landlord? If it protects me, then […]
Renters Insurance Cost
What is a Property Deductible? When you buy insurance the deductible is the portion of a loss that you will pay. So, when you purchase renters or home insurance, your property deductible is that portion of a claim that you pay to help repair your home or replace damaged or stolen property. For example, if […]

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

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 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.

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.