Renters Insurance

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Renters insurance covers your belongings and more

Protect your possessions and help pay for unexpected expenses with affordable renters insurance from Progressive. In addition to your belongings, renters insurance can pay for medical bills if someone is injured at your residence, and temporary living expenses if you’re forced to live elsewhere because your home is uninhabitable.

Ways to save

Save on renters insurance easily

Saving on renters insurance is as simple as starting a quote. We’ll apply each discount you qualify for as you go, saving you time and money.^**

Bundle auto & renters insurance

Get your auto and renters policies from Progressive, and you can save an average of 12% on car insurance.^Δ

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Quote in advance

Early shopping means big savings. Get a renters insurance quote at least three days before your policy will start and earn another discount.⁺

Receive documents by email

An easy discount—simply select "email" during your renters insurance quote when asked how you’d like to receive your policy documents.

Pay in full

Another easy discount just about anyone can earn by paying for a policy in full and upfront.

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Renters insurance that covers what you want

Renters insurance covers your belongings, living expenses if your place is damaged, and can protect you from costly litigation or medical bills if you’re liable for someone’s injuries. Get a renters insurance quote, and experts will help explain all your coverage options.

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Standard Coverages

Personal property

Coverage for personal property includes clothing, electronics, furniture, tools, and appliances (even if the items are kept in storage or in your car, at the office or with you on vacation). Your possessions are covered against fire, theft/vandalism, tornadoes, water damage, and more. Keep in mind, you may need to add extra coverage for jewelry or other expensive items. You can add these during the renters insurance quote process or give us a call.

Example: Your place is burglarized, and your television is stolen. Your personal property coverage kicks in to replace the TV, minus your deductible.

Liability

If you’re liable because someone is injured at your residence, personal liability coverage can pay for their medical bills up to the limits of your policy.

Example: You host a party and one of your guests slips and falls in your apartment's party center due to a lack of lighting. Your renters insurance can pay for their medical bills and any court/legal fees if you’re sued.

Additional living expenses

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

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

Who needs renters insurance?

Renters insurance is for anyone renting an apartment, condo, dorm room, house, etc. (if you're a landlord renting out a home, call 1-855-347-3939 for help with a specialized policy).

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 requirements.

Progressive rental policyholders have an average of $24,165 worth of personal property coverage.^† If your personal property is stolen or damaged in a fire, your landlord typically won't cover anything. That’s why you need renters coverage to help protect everything you own.

Common questions about renters insurance

How much renters insurance do I need?

The amount of coverage needed primarily depends on two factors:

How much personal property do you have?: Taking a home inventory can help you determine the combined worth of all your stuff. For example, if your belongings total $30,000 in value, then you need at least that much in personal property coverage.
What is your net worth?: If you’re liable for someone else’s injuries or property damage, you need enough liability coverage to cover what you have to lose. For instance, if your assets add up to $100,000, you need at least that much in liability coverage.

What does renters insurance not cover?

Your renters policy won’t cover certain incidents, including damage or injuries resulting from:

Termites, rodents, bedbugs, and other pests
Flooding, earthquakes, sinkholes, and other natural disasters
Aggressive dog breeds (check with your provider for details)

Additionally, while your belongings stolen out of your car are covered under renters insurance, the actual vehicle is not.

Why do landlords require renters insurance?

While landlords likely have an insurance policy in place to cover damage to their rental property, renters insurance protects against damage to the renter’s belongings—which means less liability for landlords if the tenant’s stuff is damaged or a tenant causes damage to another tenant’s unit. Moreover, if there is a fire or significant damage to the rental—causing the renter to live elsewhere while the repairs are made—additional living expense coverage on a renters insurance policy can pay for temporary housing.

Some landlords may require you to list them on your renters insurance policy before you can move in.

Does renters insurance cover flooding?

Like home insurance, renters insurance policies won’t cover damage from flooding. However, you’re typically covered for water damage to your personal property if it was sudden, accidental and came from the inside of your residence.