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What is renters insurance?

Renters insurance is a type of insurance that you can buy when you rent (and don't own) your home. Renters insurance covers your personal property, your legal liability (if someone sues you), and any medical bills that your guests incur if they're injured or get sick in your rental unit. Renters insurance will also cover your living expenses, such as your hotel fees, if a disaster temporarily forces you to leave home.

What does renters insurance cover?

Personal Property

Reimburses you for your property if it's stolen or destroyed by an accident.

Personal Liability

Covers your legal expenses if you injure someone or damage their property.

Guest Medical Bills

Covers your guests' medical bills if they're injured or get sick in your home.

Loss of Use

Pays for your additional living expenses (e.g. your hotel stay) if your rental is uninhabitable.

If any of this stuff…

Bicycle

Laptop

Television

Food

Cash, gold, silver

Carpet

is lost or damaged due to these perils…

Theft

Vandalism

Fire

Burst Pipes

Windstorms

Curious about what else renters insurance covers?

Or learn more about what renters insurance covers, and what perils are in renters insurance.

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What People Are Saying

Cheap quotes!

It was easy to get a fast and cheap renters insurance quote with Insurism.

John L.

I needed liability coverage

My landlord wanted me to get liability coverage. The quotes provided here were inexpensive.

Sarah Y.

Insured my pet

Insurism connected me with a provider that would cover my dog. Very fast, no problems encountered.

Daniel R.

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Renters Insurance FAQs

What doesn't renters insurance cover?

Renters insurance doesn’t cover certain types of disasters, including floods, earthquakes, and pest infestations (e.g. bed bugs). It also doesn’t cover your car — that’s what your auto insurance is for — or the actual building that you live in, because that’s your landlord’s responsibility.

What is the average cost of renters insurance?

The average price of renters insurance is about $20 per month, although the price depends on where you live and what kind of building you live in. In general, renters insurance is one of the cheapest types of insurance you can buy.

How does renters insurance work?

If your property gets damaged in an accident, or if you accidentally injure someone or damage their property, you can contact your insurer and let them know what happened. This is referred to as filing a renters insurance claim. If your policy covers the incident, they’ll reimburse you for your lost property or cover your legal expenses.

Is renters insurance worth it?

Yes, renters insurance is worth it for almost all tenants. It offers a lot of protection for the price you pay — in most cases, you can cover all of your property and protect yourself from expensive lawsuits for less than one dollar per day.

Is renters insurance required?

Renters insurance isn’t required by law, but it’s relatively common for landlords to require their tenants to get it. If your lease makes renters insurance mandatory, you need to get it or you could face eviction.

How do I get renters insurance?

These days, most providers allow you to buy renters insurance through their website. You can also search for an insurance agent in your area and ask them to help you buy a policy. You can compare quotes from top renters insurance providers in your area by entering your zip code on this page.

How much renters insurance do I need?

It depends on your circumstances, but most people buy between $15,000 and $30,000 in personal property coverage, $100,000 in personal liability coverage, and $1,000–$3,000 in guest medical coverage. Your loss-of-use coverage will usually be calculated automatically.