Renters Insurance — Affordable Protection for Your Belongings
Renters insurance is one of the most affordable and valuable insurance products available. For as little as $15–$30/month, it protects your personal belongings, provides liability coverage, and pays for temporary housing if your rental becomes uninhabitable. Your landlord's insurance does NOT cover your stuff — no matter what state you're in.
Coverages we place
- Personal property coverage (furniture, electronics, clothing, valuables)
- Liability coverage (if someone is injured in your rental)
- Medical payments to others
- Additional living expenses (temporary housing if displaced)
- Off-premises coverage (belongings stolen from your car, for example)
- Identity theft protection (on some policies)
Who needs this coverage
Anyone renting an apartment, condo, townhome, or house. Your landlord's insurance covers the building but NOT your personal belongings or your liability. Many landlords now require proof of renters insurance.
What drives your premium
- Coverage amount for personal property
- Location and crime rates
- Deductible selected
- Bundling with auto insurance
- Claims history
Common exclusions
- Flood damage
- Earthquake damage
- Roommate's belongings (unless named on policy)
- Business property
- Certain high-value items above sub-limits
Frequently asked questions
How much does renters insurance cost?
Most renters pay $15–$35/month for $30,000–$50,000 in personal property coverage with $100,000 liability. Bundling with auto saves an additional 5–15%.
What does renters insurance NOT cover?
Renters insurance does not cover flood damage, your roommate's property (unless they're on the policy), or business equipment. Flood insurance is separate and highly recommended in flood-prone areas.
Related coverage
Get a free quote or call (321) 206-8035.