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LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Renters Insurance
Before you choose a policy, know what you're paying for - and what else is out there.
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What does renters insurance actually protect?
It typically covers...
- Your belongings - Clothes furniture, electroncis and other personal items
- Accidents you're responsible for - If Someone gets hurt at your home, or if you accidentally damage someone else's property
- A temporary place to stay - If you can't stay at your rental after a covered mishap
- Your stuff away from home - Some items can be covered wherever you take them
Typically not covered
- Floods – You usually need separate flood coverage
- Earthquakes – Usually requires separate coverage
- Your roommate\’s stuff – They'll typically need their own policy
- Anything over your policy limit – Some valuables may need extra coverage
Before you pick a policy, here’s what to know
The right coverage is about more than the monthly price.
Think about what it would cost to replace your stuff all at once — clothes, furniture, electronics and everything else. You don't need an exact number to start, but a rough estimate can help you avoid coming up short on coverage.
Not necessarily. A low price is great, but not if it leaves you short on coverage when you actually need it. Look at what you're getting for the price, and the company you'll be counting on if you ever need to file a claim.
Potentially. Many insurers offer a discount when you buy renters and auto coverage from the same company. Just make sure the combined price and coverage actually work for you — a bundle isn't automatically the better deal.
There’s no single price for renters insurance. Where you live, how much coverage you want and the company you choose can all change what you pay, which is why quotes can vary from one insurer to another.
What happens when you file a claim?
You’ll tell your insurer what happened and share details about what was lost or damaged. If the claim is covered, your insurer will determine what they’ll pay after your deductible, which is the amount you’re responsible for first.
Simple. Fast. Secure.
Ready to get started?
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Tell us about your rental
Answer a few quick questions about where you live and how much coverage you're looking for.
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Compare your options.
See policies from multiple insurers side by side, based on the coverage you need.
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Choose your policy.
Pick the option that fits your coverage needs and budget.
No commitment or credit impact