Renters Insurancefrom $12/mo
Protect your belongings from theft, fire & water damage.
Instant proof of insurance.
Big Protection.
Little Price.
For less than the cost of a few pizzas, shield your entire apartment from the unexpected. Starting at just $12/mo.
Personal Property
Protect all your belongings
Liability Coverage
Protection from legal claims
Temporary Housing
Coverage for alternative living
Affordable Rates
Low monthly premiums
Because Your Landlord Won't Save You
Many renters mistakenly believe their landlord's insurance covers their belongings. In reality, your landlord's policy only covers the building structure. Your personal property – furniture, electronics, clothing, and valuables – are your responsibility to insure.
Renters insurance is remarkably affordable, often costing less than your monthly streaming subscriptions. For just $15-$30 per month, you can protect thousands of dollars worth of belongings from theft, fire, water damage, and other covered perils.
Beyond protecting your possessions, renters insurance includes crucial liability coverage. If someone is injured in your rental unit or you accidentally cause damage to the property, your renters insurance helps cover legal fees and damages – potentially saving you tens of thousands of dollars.
Why Renters Need Insurance
Personal Property Coverage
Protects your furniture, electronics, clothing, and other possessions from theft or damage.
Liability Protection
Covers legal fees and damages if someone is injured in your rental unit.
Additional Living Expenses
Pays for hotel and food if your rental becomes uninhabitable.
Medical Payments
Covers medical bills for guests injured in your rental.
Renters Insurance FAQ
How much renters insurance do I need?
Most experts recommend coverage equal to the total replacement value of your belongings. Take an inventory of your possessions to determine the right amount. Most policies range from $20,000 to $50,000 in personal property coverage.
Does renters insurance cover roommates?
No, standard renters insurance only covers the policyholder. Each roommate should have their own policy. However, married couples or domestic partners can typically share one policy.
What's the difference between actual cash value and replacement cost?
Actual cash value pays for the depreciated value of your items, while replacement cost coverage pays to replace items with new ones of similar quality. Replacement cost coverage costs slightly more but provides better protection.
Is renters insurance required?
While not required by law in most cases, many landlords require tenants to carry renters insurance as part of the lease agreement. Even if not required, it's a smart financial decision for protecting your belongings.
Does renters insurance cover my car?
Renters insurance doesn't cover your vehicle – you need auto insurance for that. However, personal belongings stolen from your car may be covered under your renters policy.
Protect Your Lifestyle Today
Get comprehensive renters coverage starting at just $15/month. It takes 2 minutes to get covered.
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