Renters Insurance

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Renters insurance covers your stuff and so much more

Renters insurance is an affordable way to cover your belongings and help pay for unexpected expenses. In addition to your belongings, renters covers other people's injuries at your place, certain lawsuits against you, and more.

Without renters insurance, you'd have no protection/coverage for these situations. For example, if someone steals all your stuff, your landlord won't cover anything. Everything would be 100% on you. That could cost tens of thousands of dollars, as the average renter has nearly $28,000 worth of belongings, according to ASI, one of our network renters insurance companies.

When you should consider renters insurance

Renters insurance is for anyone renting an apartment, condo, dorm room, house, or anything else. If you're a landlord renting out a home, you'd need a specialized policy instead. Call 1-855-347-3939 for help.

If your landlord/complex requires insurance, just get a renters insurance quote online with us. We'll send proof of insurance to your landlord/complex and help you make sure your policy meets their needs.

Renters coverages we offer

Renters covers your belongings, living expenses if your place is damaged, and even certain lawsuits against you. Just get a renters insurance quote, and experts are available to help explain all your coverages.

Your personal possessions

Clothes, electronics, furniture, tools, and the appliances you purchased are covered (even if they're not in your place). They're covered against fire, theft/vandalism, tornadoes, water damage, and more. Keep in mind, you'll likely have to add extra coverage for jewelry or other expensive items. You can add these during your renters insurance quote or give us a call.

Example: A pipe bursts in your place and damages all your furniture and electronics. You'd then file a claim, and you'd just have to pay your deductible. The rest is covered.

Injuries and lawsuits against you

Your renters insurance policy covers others' medical bills if they're hurt at your place. Plus, it covers you if someone else sues you over their injuries or property damage. This coverage is technically called "personal liability."

Example: You host a party and one of your guests accidentally damages furniture in your apartment's party center. Your landlord then sues you for $2,000. Your renters insurance kicks in to pay for the damages and any court/legal fees.

Temporary living expenses

If your place is damaged and you need somewhere to stay, your renters insurance kicks in. Renters pays for your hotel/living expenses and even pays you back for meals (above what you'd normally pay).

Example: Your place's roof is damaged and you have to stay in a hotel for a week. You'll be reimbursed for hotel and dining out expenses.

Ways to save on renters insurance

Bundle auto + renters

Get both auto and renters insurance from Progressive, and you can save another 5% or more. The discount will be added to your auto policy. See more on bundling insurance.

Quote in advance

Early shopping means big savings. Just get a renters insurance quote at least three days before your policy starts. Then, you'll earn another discount.

Pay in full

This is another easy discount just about anyone can earn. During your quote, just select to pay for your policy in full and upfront, and you'll get this one.

We have a network of renters insurance companies that we work with and can connect you with. Our network can give you more price and coverage choices when you get a quote. The availability and amounts of renters discounts can vary by company and your state.