What Renters Insurance Covers
If your apartment floods, catches fire, or is broken into, your landlord’s insurance covers the building—not your belongings. Renters insurance fills that gap, and it’s one of the most affordable policies you can buy.
Coverage Highlights
- Personal property coverage for furniture, electronics, clothing, and other belongings
- Liability protection if someone is injured in your apartment or you accidentally damage someone else’s property
- Additional living expenses if a covered event forces you out of your rental temporarily
- Medical payments for minor guest injuries, regardless of fault
Common Questions
How much does it cost? Most renters policies run between $15 and $30 per month. Bundling with auto insurance often makes it even cheaper.
Does it cover my roommate? Typically, only named insureds are covered. Roommates usually need their own policy unless they’re listed on yours.
What about expensive items? Standard policies cap payouts for jewelry, electronics, and collectibles. If you own high-value items, a scheduled endorsement ensures full coverage.
Easy to Get Started
Renters insurance takes minutes to set up and costs less than most streaming subscriptions. Let us find you a quote.