How much renters insurance do I need?

Most people need $20,000-50,000 in personal property coverage, depending on what they own. Take a quick inventory of your belongings—you might be surprised how much your stuff is worth. Liability coverage of at least $100,000 is standard.

Does renters insurance cover my roommate?

Usually not automatically. Most policies only cover the named insured and their family members. Your roommate should get their own policy. Some insurers allow you to add a roommate to your policy, but this means sharing coverage limits.

Your belongings deserve protection

Renters insurance starting at $15/month

Q: What does renters insurance cover?

Renters insurance covers your personal belongings (furniture, electronics, clothing, etc.) against theft, fire, and other covered perils. It also provides liability coverage if someone is injured in your apartment and additional living expenses if you can't stay there after a covered loss.

Your landlord's insurance doesn't cover your stuff. Protect your belongings, get liability coverage, and gain peace of mind for less than you'd think.

Most renters can get coverage for about the cost of a couple coffees a week.

Compare quotes now

A large brick building of four rental units with neighbors interacting on balconies or out of windows, each has their own renters insurance

Talk to an insurance guide

Licensed pros walk you through quotes, discounts, and next steps in minutes.

$174

Average annual premium

55%

Of renters don't have coverage

$15/mo

Typical monthly cost

Renters Insurance 101

Why renters insurance matters

If your apartment is burglarized, flooded by a neighbor's burst pipe, or damaged in a fire, your landlord's insurance won't pay to replace your belongings. That's where renters insurance comes in.

Renters insurance covers three main things: your personal property (furniture, electronics, clothing), liability if someone is injured in your apartment, and additional living expenses if you need to stay somewhere else after a covered loss.

The average policy costs just $15-30 per month, making it one of the most affordable types of insurance you can buy.

How it works

Getting covered is easier than you think

Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.

Step 1

Tell us what you need

Answer a few quick questions about your coverage needs. It takes about 3 minutes.

3 minutes

Step 2

Compare your options

See quotes side-by-side with clear explanations. Adjust coverage to find the right balance.

Easy comparison

Step 3

Get covered and save

Buy online or talk to a licensed agent who can walk you through everything.

Licensed agent support

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.

Personal property coverage

Your belongings are protected from theft, fire, and other covered perils—even when you're traveling.

Liability protection

If your dog bites a visitor or a guest slips and falls, your policy helps cover the costs.

Affordable coverage

Most renters pay less than $20/month for solid protection. Bundle with auto for additional savings.

Guided help

Real people ready to help when you need it

Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.