Compare affordable renters insurance quotes
One short request, renters quotes built around your apartment, house, or condo, and plain-English help comparing limits, deductibles, and price.
Start my renters quote How to compare quotes
- 1 Describe your rental
- 2 Review quote options
- 3 Choose limits that fit
What to compare on every renters quote
Personal property limit
Enough to replace everything you own at today's prices.
Valuation
Replacement cost pays for new items; actual cash value subtracts depreciation.
Liability limit
Leases often require $100,000; higher limits are often inexpensive.
Deductible
Lower premium with a higher deductible, but keep it affordable.
Special limits
Jewelry, bikes, and electronics may need scheduling.
Add-ons
Water backup and identity restoration change both price and protection.
Renters quotes by state
Renters quote guides
How to compare renters quotes side by side
A five-point checklist for comparing two renters quotes fairly, beyond the monthly price.
Replacement cost vs. actual cash value
Why the valuation line on a renters quote can matter more than the premium.
Renters home inventory checklist
A room-by-room list that makes your personal property limit accurate and claims faster.
Renters insurance for students
What college renters should know about coverage on and off campus.
Pets and renters liability
How dogs and other pets affect renters quotes and liability coverage.
Moving with renters insurance
Keeping coverage continuous when you change apartments or cities.
Quick answers
How do I compare renters insurance quotes?
Compare personal property limit, replacement cost vs. actual cash value, liability limit, deductible, and special limits for valuables. Then compare price.
What's a good personal property limit?
Whatever it would cost to replace everything you own. A room-by-room inventory is the fastest way to find it.
How much liability should a renter carry?
Many leases require $100,000. $300,000 or $500,000 is often only a small step up in price.
Why are two quotes for the same apartment different?
Insurers weigh building, location, claims history, and coverage choices differently. Different add-ons and valuation also change price.
Can I get renters insurance with a dog?
Usually yes. Disclose breed and history; some insurers restrict certain breeds or bite histories.