Protect the place you call home.

Many landlords require it as part of the lease. Even when it isn't required, replacing everything you own after a fire or theft can cost tens of thousands of dollars. For most renters, a policy costs less per month than a couple of takeout orders.

A standard policy includes personal property coverage, personal liability, medical payments to others, and additional living expenses (also called loss of use). Optional add-ons like identity protection and scheduled valuable items can broaden your protection.

Typically, a policy covers the named insured and household members related to them. An unrelated roommate usually needs their own policy or must be added to yours as a named insured. We make it easy to add a roommate during checkout.

Yes. Theft is a covered cause of loss on a standard policy — including belongings stolen from your car, a hotel room, or your building's shared spaces. Certain categories, like jewelry, have sub-limits unless scheduled separately.

Liability coverage may help if you accidentally damage someone else's property, such as water overflowing into a neighbor's unit. Accidental damage to your own belongings (like dropping your phone) is generally not covered under a standard policy.

Start by estimating what it would cost to replace everything you own — many renters are surprised to land between $20,000 and $40,000. For liability, $100,000 is a common starting point, and higher limits are available for a modest additional cost.

Yes. You can adjust limits, change your deductible, add optional coverage, or update your address at any time from your online account. Changes are typically effective the same day.

Most customers complete a quote and purchase in under ten minutes. You can choose a start date as early as today, and your policy documents and proof of insurance are emailed immediately.

Start a claim online or in the app, any time of day. You'll describe what happened, upload photos or receipts if you have them, and a claims specialist will follow up. Many simple claims are resolved within a few business days.