Renters Insurance
Affordable protection for your belongings and liability
Renters insurance protects your personal property inside a rented home or apartment and provides personal liability coverage if someone is injured while visiting. It's one of the most underutilized products in insurance — and one of the best values at often under $20/month.
What's Covered
What this policy covers
- Personal property — furniture, electronics, clothing, and valuables
- Loss of use — temporary housing costs if your rental becomes uninhabitable
- Personal liability — legal costs if someone sues you for an injury
- Medical payments to others — minor guest injuries
- Off-premises theft — belongings stolen from your car or while traveling
Who Needs It
Is this the right coverage for you?
- Anyone who rents an apartment, condo, or house
- College students living off campus
- Anyone with valuable electronics, instruments, or jewelry
- Renters whose landlord requires it (increasingly common in lease agreements)
FAQ
Common questions about Renters
My landlord has insurance. Why do I need my own?
Your landlord's policy covers the building structure, not your belongings. If there's a fire, their policy doesn't replace your furniture, laptop, or clothes. Renters insurance exists specifically to fill that gap.
Does renters insurance cover roommates?
Typically no — each roommate needs their own policy, or your roommate needs to be specifically added to yours. Check with us to confirm your policy's terms.
Ready to get Renters coverage?
Same-day quotes for most personal lines. We'll help you find the right fit.