Apartment rental insurance. Quotes in about 2 minutes.
Most renters pay around $15 a month to protect their stuff and themselves. Your landlord’s policy covers the building, not your belongings. Enter your ZIP. No calls, no pressure, no obligation.
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Three steps to a covered apartment
ZIP and a rough value of your stuff. Get apartment quotes. Finish on the insurer’s site when you choose to buy.
ZIP and a rough value of your stuff
Your ZIP and the rough value of your belongings is enough to get started. No long forms, no credit pull to look.
Get apartment quotes
Insurify is the comparison we use. Enter your ZIP and see your options.
Finish on the insurer’s site
Finish on the insurer’s site when you choose to buy.
More than just your stuff
A standard renters policy typically bundles four protections. Coverage varies by policy — always read the terms — but here’s the usual shape.
From the sofa and TV to your laptop and clothes, the things that make an apartment feel like home add up fast. A renters policy helps replace them after a covered event — and protects you if someone’s hurt in your place. The four protections below are the usual shape of a standard policy.
Personal property
Liability
Loss of use
Medical payments
Start with your ZIP. No obligation.
Insurify is the comparison we use. No calls, no pressure.
How much is renters insurance?
Renters insurance is one of the cheapest policies you can buy. National figures put the average around $15 a month — roughly the price of a couple of coffees — for tens of thousands of dollars in protection. Your exact price depends on where you live, how much coverage you choose, and your deductible.
Get apartment quotesaverage renters premium per month*
(*Industry averages; your quote will vary.)
Renters insurance, answered
Do I really need renters insurance?
Your landlord’s insurance covers the building — not your belongings or your personal liability. If your stuff is stolen or damaged, or someone is hurt in your unit, that’s on you without a policy. Many landlords also now require renters insurance in the lease.
Can my landlord require renters insurance?
Yes. In most states a landlord can make renters insurance a condition of the lease and ask for proof of coverage. It protects both of you, and because the policies are inexpensive, it’s a common requirement.
What does renters insurance actually cover?
A standard policy typically covers your personal property, personal liability, loss of use (extra living costs if your place becomes unlivable), and medical payments for guests. Coverage and limits vary by policy, so read the terms.
How much coverage do I need?
Add up what it would cost to replace your belongings — furniture, electronics, clothes — and choose a personal-property limit that covers it. Most renters land somewhere between $20,000 and $50,000, plus $100,000+ in liability.
Is this site an insurance company?
No. ApartmentRentalInsurance.com is an independent, advertising-supported comparison. We are not an insurer. Quotes are provided by Insurify, our comparison partner, not by us.
Peace of mind that fits a renter’s budget
You don’t need to own a home to protect what’s yours. For roughly the price of a couple of coffees a week, renters insurance covers your belongings, your liability, and a place to stay if your apartment becomes unlivable — so you can relax and feel at home.
Get apartment quotesProtect your apartment for about $15 a month
Get apartment quotes. Protect your apartment for about $15 a month. No calls, no pressure.
Get apartment quotesRelated resources: Explore our renters insurance guides hub for state and topic breakdowns, or check out community-vetted answers on our Reddit renters insurance resource page.