Renters Insurance
Your landlord's policy doesn't cover your belongings. Renters insurance protects everything you own — and it's surprisingly affordable, starting at just a few dollars a month.
What Does Renters Insurance Cover?
A renters insurance policy gives you comprehensive protection for a surprisingly low cost.
Personal Property
Covers your belongings — furniture, electronics, clothing, appliances — against theft, fire, vandalism, and other covered perils.
Liability Protection
If someone is injured in your rental unit or you accidentally damage someone else's property, liability coverage pays for medical bills and legal expenses.
Additional Living Expenses
If your rental becomes uninhabitable due to a covered loss, your policy pays for temporary housing, meals, and other extra living costs.
Medical Payments to Others
Covers minor medical expenses for guests injured in your rental — regardless of fault — helping avoid costly lawsuits.
Off-Premises Coverage
Your belongings are protected even when they're not at home — stolen laptop at a coffee shop, luggage lost during travel, and more.
Loss of Use
If you can't live in your rental after a covered event, this coverage helps pay for a hotel, temporary rental, and related expenses.
Why Every Renter Needs Coverage
Frequently Asked Questions
Does my landlord's insurance cover my stuff?
No. Your landlord's policy covers the building structure, not your personal belongings. If there's a fire, theft, or water damage, your furniture, electronics, and clothing wouldn't be covered without your own renters insurance policy.
How much does renters insurance cost?
Renters insurance is one of the most affordable insurance products available. Most policies cost between $15-30 per month, depending on coverage limits and your location. That's less than a streaming subscription to protect everything you own.
What's the difference between Replacement Cost and Actual Cash Value?
Replacement Cost pays to replace your items with new ones of similar quality. Actual Cash Value deducts depreciation — so a 5-year-old TV would only pay out its current value, not what a new one costs. We recommend Replacement Cost for the best protection.
Do I need renters insurance if my landlord doesn't require it?
We strongly recommend it regardless of whether it's required. For just a few dollars a month, you get protection for all your belongings plus liability coverage. It's one of the best insurance values available.
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