Renters Insurance
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Understand what renters insurance covers, how much it costs, and why you need it. Through our Assurant partnership, you can quote and bind coverage in real time—instant policy issue.
What is renters insurance?
Renters insurance protects your belongings, liability, and temporary living expenses when you rent. Your landlord's policy covers the building—not your stuff. A standard renters policy includes three core coverages: personal property (your belongings), liability (injuries or damage you cause), and loss of use (temporary housing if your rental becomes uninhabitable).
Personal Property
Covers your belongings—furniture, electronics, clothing—from theft, fire, and covered perils.
Liability
Protects you if someone is injured in your rental or you cause property damage.
Loss of Use
Pays for temporary housing if a covered loss makes your rental uninhabitable.
What does renters insurance cover?
What renters insurance typically does NOT cover
- The building or structure (your landlord's responsibility)
- Flood (requires separate flood insurance)
- Earthquake (requires separate earthquake policy)
- Normal wear and tear
- Intentional damage
- Pest infestations (bed bugs, rodents)
How much does renters insurance cost?
Renters insurance is affordable—often $15–30 per month, or about $180–360 per year. Rates depend on your location, coverage limits, deductible, and discounts. Through our Assurant partnership, you can get a real quote and bind coverage in minutes.
Renters insurance discounts
- •Bundling — Combine renters and auto for 10–25% off
- •Security features — Smoke detectors, deadbolts, burglar alarms
- •Claim-free history — No claims in recent years
- •Pay in full — Pay annually instead of monthly
Coverage components
What Renters Insurance Covers
Full breakdown of personal property, liability, and loss of use.
Learn more →Personal Property Coverage
Covers your belongings inside your rental.
Learn more →Liability Coverage
Protects you if someone is injured or you cause property damage.
Learn more →Loss of Use Coverage
Pays for temporary living expenses if you're displaced.
Learn more →Renters Insurance Cost
How much renters insurance costs and what affects your rate.
Learn more →Cheapest Renters Insurance Companies
Compare top carriers and rates.
Learn more →Renters insurance guides
Why choose Insurance Geek for renters insurance?
Instant Quote & Bind
Through our partnership with Assurant, you can quote and bind coverage in real time. Instant policy issue. No callbacks or lead forms—actual coverage you can start today.
Rate Watch
Save more over time without re-shopping. Rate Watch notifies you every renewal if your rate increases and there are better offers — so you don't have to remember to shop again.
Insurance Geek Wallet
All your policies in one place. The Insurance Geek Wallet stores policies from any carrier in one app — so you know what you have, when it renews, and never hunt for a document again. (Coming soon)
Expert guidance
Start online, finish with a licensed agent. Get digital convenience plus human expertise before you bind — so you're confident in your choice.
What Our Customers Say
How to get renters insurance
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Renters insurance FAQs
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