Personal Property
Replacement cost protection for furniture, clothing, electronics, and kitchenware against fire, theft, smoke, and water damage.
Renters insurance
Renters insurance that protects your belongings and personal liability.
Your landlord’s insurance covers the building, but not your furniture, electronics, clothing, or personal liability. Get affordable coverage tailored to your apartment, condo, or rental home.
Renters quote start
What is your rental situation?
Moving into a new apartment, meeting a landlord lease requirement, adding a roommate, or comparing rates is quick and straightforward.
Affordable tenant protection
Protect what you own and shield yourself from accidental liability.
Renters insurance is one of the most cost-effective protections available, providing thousands in personal property replacement, legal defense, and temporary housing assistance for a modest monthly cost.
What renters insurance covers
Coverage built specifically for tenants.
Tenant Personal Liability
Protection if someone is accidentally injured in your rental or you cause accidental damage to adjacent units.
Loss of Use
Reimburses hotel stays, temporary rental costs, and meals if your home becomes uninhabitable after a covered loss.
Renters quote inputs
Basic details to customize your renters quote.
- Rental address & unitStreet address, apartment or unit number, city, and ZIP code.
- Personal belongings estimateApproximate replacement value of furniture, electronics, clothing, and household goods.
- Lease liability limitsLandlord required liability limit (typically $100,000 or $300,000) and desired deductible.
Related coverage
Renters insurance markets
We compare top-rated renters insurance carriers.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Renters vs homeowners inputs
Contents-only rating means faster quoting without roof or foundation inspections.
Contents only (Coverage C)
Renters policies exclude the structural dwelling, focusing strictly on belongings and personal liability for fast, simple pricing.
Landlord interest endorsement
We add your property management company as an interested party with automated proof of coverage delivery.
Multi-policy auto discounts
Bundling your renters policy with personal auto often offsets a major portion of the annual renters premium.
Renters insurance questions
Common questions tenants ask about renters insurance.
Does my landlord’s insurance cover my personal items?
No. The property owner’s policy only covers the physical building structure. Your personal belongings and individual liability require your own renters policy.
Can my roommate and I be on the same renters policy?
Some carriers allow roommates on a single policy, while others recommend individual policies to avoid joint claims history and liability conflicts.
Can I bundle renters with my car insurance?
Yes. Bundling renters and auto insurance is widely supported and commonly provides discounts across both policies.
Start your renters quote