Renters insurance made simple
Protect everything you own for less than you think.
Compare quotes from top insurance companies in minutes and find coverage that protects your belongings without breaking your budget.
No pressure, no confusing jargon—just honest help from licensed agents who make insurance easy.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Renters Insurance Explainer
Everything you need to know about renters insurance
Renters insurance is one of the most affordable ways to protect everything you own, yet most renters skip it. Whether you're in your first apartment or you've been renting for years, understanding how renters insurance works helps you protect your belongings without breaking the bank—and keeps you covered if something unexpected happens.
At its core, renters insurance protects your personal belongings (furniture, electronics, clothes, everything you own) from theft, fire, and other covered disasters. It also provides liability coverage if someone gets hurt in your apartment or if you accidentally damage someone else's property. Many people don't realize that your landlord's insurance only covers the building itself—it doesn't protect any of your stuff. For about the cost of a couple of coffees per month, you can protect thousands of dollars worth of belongings.
The key to getting the right coverage is taking inventory of what you actually own and understanding your options. Replacement cost coverage pays to buy new items if yours are damaged or stolen, while actual cash value coverage pays less because it factors in depreciation. Your deductible affects your premium, and bundling with auto insurance can save you serious money. Ready to compare quotes and protect everything you own for less than you'd expect?
How it works
Getting covered is easier than you think
Whether you're renting your first apartment or moving to a new place, we make it simple to find the right coverage at the right price.
Step 1
Tell us about your place
Answer a few quick questions about where you live and what you own. It takes about 2 minutes whether you're in an apartment, condo, or rental house.
2 minutes
Step 2
Choose coverage that fits your budget
See your options side-by-side and adjust coverage amounts or deductibles to find the right balance. We'll show you how each change affects your price.
Easy comparison
Step 3
Get your policy and stay covered
Buy online or talk to a licensed agent who can answer your questions. We'll send proof of insurance to your landlord right away and be here whenever you need help.
Expert help available
Key decisions
Everything you need to make the right choice
Learn how renters insurance works, discover ways to save, and get the protection you need—all without the headache.
Know what's covered if something happens
Understand exactly what happens if your laptop gets stolen, your furniture is damaged in a fire, or someone gets hurt in your apartment.
Your stuff is protected anywhere
Learn how your belongings are covered whether you're traveling, storing items, or keeping things in your car.
Simple coverage for shared spaces
Find out how roommates fit into your policy and whether your significant other needs their own coverage.
Stay protected beyond the basics
Understand how liability coverage protects you if your dog bites someone or you accidentally damage your landlord's property.
Guided help
Real people ready to help when you need it
Our licensed insurance experts work with local agencies across the country. They know how to find the best rates, understand what landlords require, and can turn confusing insurance-speak into plain English.
- Real people who understand apartments, condos, and rental homes
- Help sending proof of insurance to your landlord
- Guidance for college students and first-time renters
- Support filing claims for theft, water damage, or accidents
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about renters insurance
Is renters insurance really worth it?+
Absolutely. For about the price of a coffee or two per week, you protect thousands of dollars in belongings plus your liability if someone gets hurt in your apartment. Many landlords require it, but even if yours doesn't, it's one of the smartest ways to protect yourself.
Does my landlord's insurance cover my stuff?+
No. Your landlord's insurance only covers the building itself. You need your own renters insurance to protect your belongings, cover liability if someone gets hurt in your apartment, and pay for a hotel if your place becomes unlivable after a fire or other disaster.
What if I'm moving to a different state?+
We can update your policy with your new address and make sure your coverage meets the requirements in your new state. We'll also send updated proof of insurance to your new landlord so everything's ready on move-in day.
How quickly can I get proof of insurance for my landlord?+
As soon as you buy your policy, we can email or text your proof of insurance instantly. You can forward it to your landlord or upload it to their online portal right away.
Explore other insurance coverage
Many renters who bundle with auto insurance find they save money. Compare quotes for complete protection.
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