← All coverages
Your landlord's policy doesn't cover your stuff.
Renters Insurance
If you rent — an apartment, house, condo, or single room — renters insurance protects your belongings, your liability for accidents in your unit, and a place to stay if it becomes unlivable. It's one of the most affordable policies you can buy, and one of the most commonly skipped. Many landlords now require it as a condition of the lease.
Who it’s for
Anyone renting their home — including students, roommates, military families, and short-term residents.
What it covers
The protection lines that make up the policy.
Personal Property
Furniture, electronics, clothing, kitchen items — anything you'd take with you when you move. Coverage typically extends off-premises, so a laptop stolen from your car is still covered.
Personal Liability
Pays if a guest is injured in your unit, or if you accidentally damage someone else’s property — including a neighbor’s apartment from an overflowing sink.
Loss of Use
Hotel, meals, and additional living expenses if your unit becomes uninhabitable after a covered loss like a fire or major water damage.
Medical Payments to Others
A small no-fault benefit for minor injuries to a visitor in your home — useful for handling a scrape before it turns into a lawsuit.
Common questions
The conversations our agents have every day.
- How much coverage do I actually need?
- Walk through your home with your phone camera and add up replacement costs. Most renters underestimate by 30 to 50% — clothing, kitchen gear, and electronics add up faster than you'd think.
- Actual cash value or replacement cost?
- Replacement cost is almost always worth the small premium increase. ACV pays out depreciated value, which can be a fraction of what it costs to replace a five-year-old TV.
- Are jewelry, instruments, and electronics fully covered?
- Standard policies cap high-value categories — typically a few thousand dollars per category. Scheduling these items separately (a "rider") gives full replacement coverage without a deductible.
Nationwide coverage
Available in all 50 states.
Insurance rules — required minimums, no-fault status, workers' comp thresholds — vary state-by-state. The licensed agents in our network are matched to your state so the quote and the advice both follow the rules where you actually live.
Most renters pay between $15 and $30 a month for meaningful coverage. We'll connect you with an agent who can quote a policy sized to your inventory and the realities of your building.
Often paired with
