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Start your renters insurance quote today and compare affordable coverage options from multiple carriers. We'll help you protect your personal belongings, liability, and temporary living expenses with coverage that fits your rental and budget.
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Renters insurance can be useful for anyone who rents their living space and wants protection for personal belongings, liability claims, and certain additional living expenses. A landlord's policy generally protects the building itself, not the renter's furniture, clothing, electronics, and other personal property.
Coverage for people renting an apartment who want to protect their belongings and personal liability.
Protection for tenants renting a house, townhouse, or privately owned condo.
Coverage options for students, young adults, and people purchasing renters insurance for the first time.
Coverage for renters living with roommates or sharing a home. Each unrelated roommate may need a separate policy depending on the carrier.
Helps repair or replace covered belongings such as furniture, clothing, electronics, appliances, and household items after events covered by the policy.
May help pay when you are legally responsible for another person's injury or damage to their property, subject to the policy limits and exclusions.
May help pay for temporary housing, meals, and certain additional costs when your rental becomes uninhabitable because of a covered loss.
May help cover reasonable medical expenses when a guest is accidentally injured at your residence, regardless of fault, subject to policy terms.
Personal belongings may also receive limited protection when stolen outside the rental residence, such as from a vehicle, hotel room, or while traveling.
Some policies may provide limited coverage for improvements or fixtures you paid to install in the rented residence.
Coverage depends on the cause of loss, policy limits, deductibles, exclusions, and any optional endorsements selected.
A landlord's insurance generally covers the structure of the building and the landlord's property. It usually does not pay to replace a tenant's personal belongings after theft, fire, smoke damage, or another covered loss. Renters insurance can also provide personal liability protection and help with additional living expenses if the residence becomes temporarily uninhabitable.
Protect Your BelongingsLiability ProtectionTemporary Housing Support
Affordable ProtectionReplacement cost coverage generally pays the cost to replace a covered item with a new item of similar kind and quality, subject to the policy terms, limits, and deductible.
Actual cash value generally pays the item's depreciated value at the time of loss. Because age and wear are considered, the payment may be lower than the amount needed to purchase a new replacement.
Coverage methods vary by policy. Review whether personal property is covered at replacement cost or actual cash value before purchasing a policy.
Renters policies often place special limits on certain categories of property. Jewelry, watches, collectibles, firearms, musical instruments, business equipment, artwork, and high-value electronics may need additional coverage or scheduled-item endorsements.
Keep receipts, photographs, serial numbers, appraisals, and a home inventory to help document valuable belongings.
Standard renters insurance generally does not cover flooding caused by rising water. Separate flood insurance may be available.
Earthquakes, earth movement, and similar events are commonly excluded unless additional coverage is purchased.
An unrelated roommate's belongings are generally not automatically covered unless that person is properly included under the policy.
Damage caused by ordinary wear, neglect, insects, rodents, or maintenance problems is generally not covered.
Exclusions vary by carrier and policy. Review the policy documents for the complete list of covered and excluded losses.
The complete address of the apartment, house, condo, or room being rented
An estimate of how much it would cost to replace your furniture, clothing, electronics, and other belongings
The amount of personal liability protection you want to consider
Information about the building, security features, smoke detectors, alarms, and type of residence
Details about previous renters or homeowners coverage and any recent property or liability claims
Landlord, property-management company, or apartment-complex information if they need to be listed as an interested party
Generally, no. A landlord's insurance usually protects the building and property owned by the landlord. It normally does not replace your furniture, clothing, electronics, or other personal belongings after a covered loss. Renters insurance is designed to protect the tenant's property and provide certain liability and additional living-expense benefits.
A renters policy commonly includes personal-property coverage, personal liability, guest medical payments, and additional living expenses after a covered loss. It may protect against events such as theft, fire, smoke, vandalism, and certain types of water damage. The exact protection depends on the policy, limits, deductible, exclusions, and endorsements.
Renters insurance is often less expensive than homeowners insurance because it generally does not insure the building itself. The premium depends on the rental location, amount of personal-property coverage, liability limit, deductible, claims history, building characteristics, and selected endorsements. Comparing carriers can help identify available pricing and coverage options.
Many insurance companies offer both auto and renters insurance, and combining the policies may qualify you for a multi-policy discount. The amount of the discount and total cost vary by carrier. Bundling can be convenient, but the combined price and coverage should still be compared with other available options.
Many renters policies provide limited personal-property coverage away from the residence, such as while traveling or when belongings are temporarily stored elsewhere. Separate limits or deductibles may apply, and property located at another residence may have different restrictions. Review the policy before relying on off-premises coverage.
It may cover certain sudden and accidental water losses, such as damage caused by a burst pipe or an overflowing appliance. It generally does not cover flooding from rising surface water, long-term leaks, neglect, or maintenance problems. The cause of the water damage determines whether coverage applies.
An unrelated roommate is generally not automatically covered under your policy. Each roommate may need a separate renters policy unless the carrier permits both people to be listed properly. Do not assume that sharing the same address means both people and their belongings are insured.
Estimate how much it would cost to replace all of your belongings, including furniture, clothing, electronics, kitchen items, appliances, and personal possessions. Creating a room-by-room inventory can help produce a more accurate estimate. High-value items may have special policy limits and may require additional coverage.
