Personal property • Liability • Loss of use

Renters coverage that protects what you own

From laptops and furniture to bikes and jewelry, renters insurance helps replace what matters and adds liability protection—often for a surprisingly low monthly cost.

Learn More

What Renters Insurance Covers

Practical protection for everyday life—at home and on the go

Personal Property

Helps replace belongings after a covered loss like theft, fire, or certain water damage.

Personal Liability

Coverage for claims if someone is injured or property is damaged due to your responsibility.

Loss of Use

Helps pay for temporary housing and added living expenses if your rental becomes unlivable.

A policy tailored to your lifestyle

We help you choose limits and deductibles that fit your budget while protecting your most important items.

Replace cost options

Compare actual cash value vs. replacement cost coverage.

Extra protection

Add endorsements for valuables or identity theft as needed.

Bundle discounts

Save by bundling renters with auto and other policies.

Quick guidance

Get clear answers without complicated insurance jargon.

What we’ll ask to quote

Address and type of rental (apartment, condo, house)
Approximate value of belongings
Desired liability limit and deductible
Optional valuables or add-ons

Renters Insurance FAQs

Quick answers to common questions

Many policies include some off-premises coverage, which may apply to items stolen from your car or while traveling, subject to limits and exclusions.

Typically, roommates need their own policy unless they are listed and qualify as an insured under your policy’s definitions.

Replacement cost helps pay to replace items with new equivalents, while actual cash value accounts for depreciation and may pay less for older items.

Flood and earthquake are commonly excluded and may require separate coverage. We can help you review options based on your location.