Renters insurance
Affordable protection for everything you own
Your landlord insures the building, not your things. A renters policy covers your belongings and your liability, often for a modest monthly cost.
What it covers
The parts of a policy, in plain English
Your belongings
Furniture, clothes and electronics after theft, fire or water damage from a burst pipe.
Liability
Covers you if a guest is hurt in your home or you accidentally damage someone else’s property.
Temporary housing
Helps with hotel and living costs if your place becomes unlivable after a covered loss.
Away from home
Many policies also cover belongings stolen from your car or while you travel.
What affects your price
Why two quotes can look so different
Every insurance company weighs things a little differently, which is why comparing matters. These are the factors that usually move the price most.
- How much your belongings would cost to replace
- Your ZIP code and the building’s security
- Your deductible and liability limit
- Bundling with an auto policy
Questions
Common renters insurance questions
Do I need renters insurance if my landlord has insurance?
Yes, if you want your own things covered. The landlord’s policy protects the building and their liability, not your belongings.
How much coverage should I get?
Walk through your home and add up what it would cost to replace everything. Many people are surprised how quickly it adds up.
Can my roommate and I share a policy?
Some insurance companies allow it, but separate policies keep claims and coverage simpler for each person.
My Perfect Insurance Quote is a free insurance education and comparison resource. We are not an insurance company, and we do not sell or underwrite policies. Coverage, prices and eligibility are set by each insurance company and can change. [CONFIRM licensing: add agency or producer licence details here if a licensed partner places policies.]
Ready to compare renters insurance?
Tell us what you want to cover and compare your options side by side. It takes about two minutes, and you never have to give a phone number.
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