Protecting Your Belongings & Your Peace of Mind
Renters insurance is like a security blanket for your belongings—covering everything from TVs and laptops to bicycles and furniture. We work with multiple specialty insurers to help you find the best coverage at the most competitive price.
What Does Renters Insurance Cover?
Personal Property Coverage
Protects your belongings from fire, smoke, theft, vandalism, wind, and water damage (from covered events).
Loss of Use Coverage
Covers temporary living expenses if your rental becomes uninhabitable due to a covered loss.
Liability Protection
Helps cover legal costs if someone is injured in your rental unit or if you accidentally damage someone else’s property.
Medical Payments to Others
Provides coverage for minor medical expenses if someone is injured in your home, regardless of fault.
Inflation Protection
Automatically adjusts coverage to keep up with the rising cost of replacing personal property.
Bundle & Save on Renters Insurance
You can save up to $1,273 by bundling renters insurance with auto insurance and other policies. We compare rates from multiple insurers to find the best coverage at the best price.
How to Get a Renters Insurance Quote
Getting a quote is quick and simple. Here’s what you’ll need:
- Rental Property Information – Address, type of dwelling (apartment, condo, or house), and any safety features (alarms, sprinkler systems).
- Personal Information – Name, date of birth, and email address.
- Insurance History – Any prior claims in the last five years and details of your previous insurance provider.
We’ll shop with multiple carriers to find the best coverage that fits your needs and budget.
Frequently Asked Questions About Renters Insurance
Is renters insurance required?
It depends on your landlord or property management company. Some require proof of renters insurance before allowing you to move in.
If my landlord offers insurance, do I still need a renters policy?
Yes. A landlord’s policy only covers the building—not your personal belongings or liability. Having your own policy ensures your valuables are protected.
How much does renters insurance cost?
Renters insurance is more affordable than most people think. According to the National Association of Insurance Commissioners (NAIC), the average cost is around $13 per month for $34,000 in coverage.
How much renters insurance do I need?
Think about how much it would cost to replace everything you own. A quick way to estimate is by creating a home inventory:
- List major items and their value.
- Take photos of valuable belongings.
- Keep receipts for high-ticket items.
Does renters insurance cover roommates?
Renters insurance covers the policyholder and their resident relatives. If you have a non-related roommate, they’ll need to be listed on the policy or get their own separate coverage.
Does renters insurance cover flood damage?
Most renters insurance policies do not cover flood damage from external water sources (such as overflowing rivers or heavy rainfall). However, we work with specialty flood insurers to help you secure separate flood insurance if needed.
Does renters insurance cover pet damage?
Most policies do not cover damage caused by your pet to your personal belongings. However, some policies may provide liability coverage if your pet injures someone or damages the rental property.
Additional Property Insurance
Homeowners
Coverage for your home
Renters
Coverage for renters
Condo
Coverage for your condo
Rental Property
Coverage for your rental property
Personal Articles
Coverage for your personal articles
Farm & Ranch
Coverage for your farm or ranch