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Home Insurance Guide

Renters Insurance Guide

Protect your belongings as a renter in the U.S.

What Does Renters Insurance Cover?

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Personal Property

Covers your furniture, electronics, clothing, and other belongings if they are stolen or damaged by covered events like fire or water damage.

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Liability Protection

Covers legal and medical costs if someone is injured in your rental unit or if you accidentally damage someone else's property.

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Additional Living Expenses

Covers hotel bills, restaurant meals, and other costs if your rental becomes uninhabitable due to a covered event.

Why Do You Need Renters Insurance?

  • 1Your landlord's insurance does NOT cover your personal belongings
  • 2It's affordable - typically $15-30 per month
  • 3Protects against theft, fire, water damage, and more
  • 4Provides liability coverage if someone is injured in your unit
  • 5Many landlords require renters insurance as part of the lease

Average Renters Insurance Costs

$15 - $30/ month

The average renters insurance policy costs between $15 and $30 per month, or $180 to $360 per year.

Low

$15

/mo

Average

$22

/mo

High

$30

/mo

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