You can get renters insurance quickly by purchasing it through an insurance broker or by shopping for it on your own — often online. If you already have a different type of insurance like auto, homeowners, life, or health, it’s usually easy to contact your insurance company and bundle in renters insurance for a cheaper price.
Buying Online: If you can’t bundle your insurance, getting renters insurance online is the fastest option (though you’ll need to understand the coverage options and your policy’s limits of liability on your own). To get it, you can simply go to search engines like Google or Bing and type in “buy renters insurance” — they’ll provide a list of insurers for you to choose from. We recommend getting quotes from several insurance companies and comparing costs and coverage.
Buying Through a Broker: You can also contact an insurance broker to get renters insurance, which some people find easier, more convenient, and reliable — but they will take a commission, increasing your costs. You can find a broker through search engines (try searching “insurance broker near me”) or the Yellow Pages.
Brokers often have access to discounts and bundling options that can lower your overall cost, and they can eliminate the hassle of having to research and shop for insurance on your own. And if you’re not familiar with the various renters insurance coverage options, your broker can explain to you what types of losses are covered, and what coverage you’ll need to purchase to best protect yourself.
However, renters insurance is one of the cheapest types of insurance, which means that unless you have special requirements, buying it through a broker probably won’t be necessary.