Protect your belongings
and liability as a renter.
Compare affordable renters insurance options. Get coverage for personal property, liability, and additional living expenses.
Why renters need insurance
Your landlord's policy doesn't cover your stuff. Protect what matters
Property protection
Coverage for furniture, electronics, clothing, and other personal items against theft, fire, water damage, and more covered perils.
Liability shield
Protection if you're held responsible for injuries or property damage to others. Covers legal fees and medical bills for guests.
Affordable rates
Renters insurance is often very affordable—typically $15-30/month for solid coverage. That's less than most streaming subscriptions!
What renters insurance covers
Understanding your protection
Personal Property
Your furniture, electronics, clothes, jewelry, and other belongings—even when outside your home.
Liability Coverage
Legal protection if someone is injured in your rental or you accidentally damage property.
Additional Living Expenses
Temporary hotel and food costs if your apartment is uninhabitable after a covered loss.
Medical Payments
Covers guest medical bills if someone is injured in your apartment, regardless of fault.
Theft & Burglary
Replaces stolen items whether taken from your home, car, or even while traveling.
Fire & Water Damage
Protection against fire, smoke, lightning, water damage from burst pipes, and weather events.
Real situations renters insurance covers
Here's how it protects you
Kitchen Fire
Your cooking fire damages your belongings and the apartment. Renters insurance covers your property loss and liability for damage to the building.
Burst Pipe
A pipe bursts and ruins your furniture, electronics, and clothes. Insurance replaces your damaged belongings and covers hotel costs while repairs happen.
Break-In
Someone breaks in and steals your laptop, TV, and jewelry. Your policy covers the stolen items minus your deductible.
Guest Injury
A friend trips in your apartment and needs medical care. Liability coverage pays their medical bills and protects you from lawsuits.
Dog Bite
Your dog bites a visitor or neighbor. Renters insurance covers their medical expenses and any resulting legal costs.
Temporary Relocation
Your apartment is damaged and you need temporary housing. Insurance pays for your hotel and extra food costs during repairs.
How much does renters insurance cost?
Basic coverage ($20K property, $100K liability)
Standard coverage ($30K property, $300K liability)
Premium coverage ($50K+ property, $500K liability)
That's less than most people spend on coffee each month! And many landlords now require it.
Ready to protect your belongings?
Compare renters insurance quotes and get coverage in 5 minutes. Most policies start the same day.