The things that make it yours.
Personal property coverage may help replace belongings after covered losses such as fire or theft. Deductibles, exclusions, and special limits matter.
Explore belongings protectionRenters insurance, made clearerMake yourself
Make yourself
at home.
Know what’s covered.
Your place is more than a lease. Get clear answers, use practical tools, and prepare for your apartment’s insurance requirements.
Guides and tools are ready to use. Online quotes and purchases are not available here yet.
Plain-language guidanceUnderstand the details
Sources you can checkLearn with context
Your questions, answeredRoommates, pets, moving & more
Start hereSmall policy.
Understand the coverage →Small policy.
Important protections.
Renters insurance commonly brings together three kinds of protection. What applies depends on the policy, limits, and the loss.
When an accident affects someone else.
Liability coverage may respond when you are legally responsible for covered injuries or property damage. It does not cover every accident.
Understand liability coverageA little help when home is off-limits.
After a covered loss makes your home uninhabitable, loss-of-use coverage may help with necessary additional living expenses, within policy limits.
Learn about loss of useReal life, real questionsYour situation.
Your situation.
A clearer starting point.
Sharing a place? Heading to college? Moving in with a four-legged roommate? A few details can change the questions to ask.
Browse all guidesPractical next steps
Explore all planning tools →Make a more informed choice.
Bring your own figures. Compare costs, explore a deductible, and prepare questions without an account.
Compare renters insurance quotes side by side
Compare renters insurance quotes by 12-month cost, belongings and liability limits, deductibles, and coverage terms. Print or download your private worksheet.
Open the toolWhat changes with a higher renters insurance deductible?
Explore a hypothetical property loss, compare two deductibles, and see how annual premium savings relate to extra deductible responsibility.
Open the toolBuild your renters insurance question list
Build a printable renters insurance question list for your belongings, roommates, pets, storage, home office, student housing and moving plans.
Open the toolThinking about buying your first home? Try the mortgage and escrow calculator and compare the monthly cost categories with your current rent.
Before and after you buy
Keep the important steps within reach.
Research the insurer, prepare for a possible claim, and make time to review your coverage.
01 / CHECKHow to check a renters insurance company before buying
Identify the insurer behind a renters quote, check official licensing and complaint information, and compare coverage before you buy online.
Read the guide
02 / PREPARERenters insurance claims checklist: what to do after a loss
Know what to document after a renters insurance loss. Organize photos, receipts, claim contacts, temporary-housing expenses and questions with a printable checklist.
Read the guideSet a renters insurance coverage review reminder
Create a one-time calendar reminder before your renters insurance renewal. Download an .ics file and use the printable coverage and home inventory review checklist.
Open the toolBefore you choose
Look beyond the monthly price.
A useful comparison includes the deductible, how belongings are valued, coverage limits, and exclusions.
01 / COSTWhat affects the cost of renters insurance?
Learn which choices affect renters insurance cost and how to compare limits, deductibles, fees and discounts without relying on an advertised starting price.
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02 / CLAIM SETTLEMENTReplacement cost vs. actual cash value
Compare how replacement cost and actual cash value can affect renters insurance payments, including depreciation, deductibles and replacement requirements.
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03 / YOUR LEASEApartment renters insurance requirements, fees, and proof
Check apartment renters insurance requirements, understand program charges, and follow seven steps to obtain, submit and confirm accepted proof of coverage.
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