Renters insurance with an agent
Could you afford to replace all of your personal belongings in the event that something happens to your rental? If the answer is no, reach out to one of our agents to discuss your options for renters insurance. Call 800-835-0894 to start your quote.
Our insurance agents can find you the best renters policy
Comparion local licensed agents know the insurance world inside out. They will guide you through the complex process of finding the right renters insurance coverage - and help you save money, too!
Quote with an insurance agent
How much is renters insurance?
Renters insurance is probably more affordable than you think. In fact, renters insurance is one of the least expensive forms of insurance.
Factors that affect the price include the coverage amount you select for your belongings, your levels of liability and medical payments coverages, your deductible, location, type of residence, and whether you bundle your renters insurance with additional insurance policies. All these factors impact the cost of renters insurance.
Start a renters quoteWhat does renters insurance cover?
Renters insurance generally provides coverage for:
- Your personal belongings
- Loss of use if your unit is uninhabitable due to a covered loss
- Liability coverage if you injure another party or damage someone else's belongings
- Medical payments if someone gets injured while visiting
Basic and optional coverages may vary by insurance company. Our agents can help you understand your renters insurance options.
Start a renters quoteWhy should I get renters insurance?
While renters insurance isn't typically required, it's a great way to protect your personal belongings, and protect you if someone is injured in your rental unit. Policies are also some of the cheapest insurance you can buy. A Comparion agent can help you find the best renters policy for you.
Which renters insurance offers the best value for me?
Comparion local licensed agents can quote with many insurance companies and help you select the right policy with the best value comparing coverages, deductibles and other options.
FAQs about renters insurance
Renters insurance is not required by law, but may be required by your landlord or property management company.
Several important factors impact the cost, including the the deductible, the property location, type of residence, coverage amount you select for your belongings, liability, and medical payments coverages and whether you bundle your renters insurance with additional insurance policies.
The primary coverages include your personal belongings, loss of use if your unit is uninhabitable due to a covered loss, liability coverage if you injure another party or damage someone else's belongings, and medical payments if someone gets injured while visiting. A Comparion agent can help you find the best policy for you.
Renters insurance typically covers personal property, personal liability, and additional living expenses if your rented home becomes uninhabitable due to a covered loss. Most renters need between $15,000 and $100,000 in personal property limits depending on belongings' replacement cost. Inventory your items to choose appropriate coverage and add endorsements for high-value items.
No, a landlord's policy covers the building structure and liability to the landlord, not your personal belongings or personal liability, so renters should buy their own renters insurance. Renters insurance is usually inexpensive and protects you from theft, fire, and liability claims.
Loss of use (also called Additional Living Expenses) pays for temporary housing, meals, and other costs if your rental becomes uninhabitable due to a covered loss. It helps you maintain living standards while repairs are made and is a standard part of renters policies.
Yes, your renters policy does cover personal belongings, but expensive items like jewelry and high-end bikes are often subject to low per-item or category sublimits unless you “schedule” them (add a personal articles floater / scheduled personal property endorsement) for full, agreed-value protection. Contact your agent to add scheduled property endorsements for high-value items like jewelry, bikes, collectibles, and electronics.
Sudden accidental water damage from an upstairs neighbor is often covered under renters policies for your belongings and dwelling loss of use. However, losses caused by lack of maintenance or sewer backups may be excluded. Report the loss promptly and document damage for the claim.