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Renters insurance
Your landlord's policy won't cover your stuff
Your landlord insures the building — not your laptop, your couch or a guest's injury. Renters insurance fills that gap for the price of a couple of coffees a month. Compare quotes and get proof of coverage fast.
- Protects your belongings at home and away
- Liability cover if you're held responsible
- Often just $10-20 a month
- Budget-friendly cover
- Same-day proof
- Compare trusted insurers
What's covered
What renters insurance covers
A renters policy is built around your belongings and your liability as a tenant. Here's what's typically included.
Personal belongings
Replaces furniture, electronics and clothing if they're stolen or damaged by fire, smoke or certain water events.
Liability protection
Helps cover legal and repair costs if you're found responsible for injuring someone or damaging their property.
Loss of use
Pays for temporary housing and extra living costs if a covered event makes your rental unlivable for a while.
Guest medical
Covers minor medical bills if a visitor is hurt in your home, regardless of who was at fault.
Belongings away from home
Your covered items are often protected even while travelling or stored outside the rental, subject to limits.
High-value items
Jewellery, cameras or instruments can be scheduled with an endorsement so their full value is properly covered.
Why AltFTool
Why renters choose to compare here
Big peace of mind, small cost
For roughly the price of a takeout meal each month, you can protect thousands of dollars of belongings.
Compare trusted insurers
See personalised renters quotes from several rated carriers side by side, without repeating your details.
Meet your lease requirement
Many landlords now require renters cover; a policy gives you the proof of insurance they ask for.
Bundle to save more
Pairing renters with an auto policy from the same insurer can unlock a discount on both.
How it works
Covered in four simple steps
Estimate your belongings
Add up roughly what it would cost to replace your furniture, electronics and other essentials.
Compare quotes
Review personalised renters quotes from multiple insurers, with limits and deductibles laid out clearly.
Choose your coverage
Pick the personal-property and liability limits that fit your belongings and your budget.
Get your policy
Finish with the insurer and download instant proof of coverage — often the very same day.
Good to know
What affects your renters premium
Renters insurance is affordable, but a few things still nudge your price up or down. These are the main ones.
- Coverage amount
- The more personal-property coverage you choose, the higher the premium — so it pays to estimate your belongings realistically.
- Deductible
- A higher deductible usually lowers your monthly cost, but means paying more out of pocket before a claim kicks in.
- Location
- Your city, neighbourhood and local risk of theft, fire or weather all influence what an insurer charges.
- Liability limit
- Raising your liability protection adds a little to the premium but can shield you from far larger costs.
- Bundling & history
- Bundling with auto can lower your rate, while past claims may raise it, depending on the insurer.
Renters Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Renters Insurance FAQs
It typically covers your personal belongings against theft, fire and certain water damage, your liability if you're held responsible for injury or damage, temporary living costs if your rental becomes unlivable, and minor guest medical bills.
No. Your landlord's policy covers the building itself, not your personal property or your liability. If your things are stolen or damaged, only your own renters policy would help replace them.
It's one of the most affordable policies out there — often around $10 to $20 a month, though your exact price depends on your coverage amount, deductible and location.
It isn't required by law, but many landlords and property managers make it a condition of your lease. Even when it's optional, the low cost makes it worth considering.
Usually only the named policyholder is covered. A roommate typically needs their own policy or to be added by name — check with the insurer before assuming they're protected.
No. Standard renters policies exclude flood damage, which needs separate flood insurance. Some water damage, such as from a burst pipe, may be covered — read the policy for details.
Get your renters insurance quote
Compare personalised renters quotes from trusted insurers in minutes — protect your belongings and liability for just a few dollars a month, with no obligation.
AltFTool is not an insurance company or agency and does not sell insurance. Quotes, coverage, eligibility and pricing are set by the insurer and vary by state and circumstances. Coverage examples are general; read each policy for exact terms.