Renters Insurance

Renters insurance typically costs less than $20 per month and covers your personal belongings against theft, fire, water damage, and other covered losses — plus provides personal liability protection if someone is injured in your rental. It's one of the highest-value, lowest-cost personal insurance products available.

What Renters Insurance Covers

• ✓Personal property — Furniture, electronics, clothing, and belongings in your rental unit
• ✓Personal liability — If a guest is injured in your apartment and holds you responsible
• ✓Additional living expenses — Hotel and meals if your unit becomes uninhabitable after a covered loss
• ✓Off-premises theft — Many policies cover belongings stolen from your car or a storage unit
• ✓Medical payments — Minor injury coverage for guests regardless of fault

Common Misconceptions

• ✓"My landlord's insurance covers my stuff." — It does not. Landlord policies cover the building only.
• ✓"I don't own enough to need it." — Most renters underestimate the value of their belongings. A laptop, TV, furniture, clothing, and appliances add up quickly.
• ✓"It's too expensive." — Renters insurance is typically $15–$25/month. We can often quote and bind same-day.

Get a Renters Insurance Quote