Renters Insurance Guides
Straight answers about what renters insurance does and does not cover, what it costs in your state, and how to compare policies. Everything here is free to read, and free to compare.
Three ways into the library
Coverage, state, or city. Every link below already exists on this site.
Coverage
What a policy covers and what it doesn’t — water, flood, fire, theft, jewelry, liability, pets, appliances, storage, loss of use, bed bugs.
By state
Pennsylvania through Oregon. Costs and rules vary; pick the state you actually rent in.
By metro
New York City, Chicago, San Diego, and Los Angeles — city-specific lease and weather notes, not a generic paste.
Coverage guides: what does renters insurance cover?
ApartmentRentalInsurance.com is an independent, advertising-supported comparison site. We are not an insurer or licensed agent.
How Does Renters Insurance Work? · What Does Renters Insurance Cover? · Does It Cover Mold Damage? · Does It Cover Water Damage? · Flood Coverage · Hurricane Coverage · Earthquake Coverage · Fire Damage · Theft Coverage · Jewelry & Valuables · Personal Liability · Pets & Dog Bites · Appliances & Electronics · Storage Units · Loss of Use · Bed Bugs
Tools
Renters Insurance Cost Calculator by ZIP: type your ZIP, see the low, typical, and high monthly cost where you live, built from regulator and FEMA data.
Renters Insurance Cost by State (2026 Study): all 50 states and DC ranked by what tenants actually paid, with the dataset.
Renters insurance by state
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · Washington, DC · West Virginia · Wisconsin · Wyoming
Renters insurance by metro (city)
New York City (NYC) · Chicago · San Diego · Los Angeles
Getting started
Renters Insurance for College Students · Renters Insurance for Apartments · How Much Is Renters Insurance? · Cheap Renters Insurance · Best Renters Insurance · Does My Landlord Require It? · Renters vs. Homeowners Insurance
Get apartment quotes before the lease desk asks for a certificate
Enter your ZIP, compare coverage and price side by side, and pick in about two minutes.