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 you're responsible for someone else's injuries at your residence, and temporary living expenses if you're forced to live elsewhere because your home is uninhabitable due to a covered incident.

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 both an auto and renters insurance policy from Progressive and save an average of 3% on your car insurance.^Δ

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Quote in advance

Early shopping earns more savings. Get a renters insurance quote at least three days before your policy starts and earn an additional discount.⁺

Pay in full

Get another easy discount just by paying for your renters insurance policy in full and upfront.

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Renters insurance provides personalized protection

Renters insurance is designed to cover unexpected events, including theft of your personal property and injuries to visitors. When you quote renters insurance with Progressive, you can customize your coverage and limits.

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Standard Coverages

Personal property

Coverage for personal property includes clothing, electronics, furniture, tools, and appliances. Your possessions are covered against incidents including fire, theft/vandalism, tornadoes, and water damage. You may need extra coverage for jewelry or other expensive items, which you can add during the renters insurance quote process.

Example: Your place is burglarized, and your couch is stolen. Your personal property coverage can reimburse you the cost to replace the couch, minus your deductible.

Liability

If you're responsible for someone's injuries at your residence, personal liability coverage can pay for their injuries up to the limits of your policy.

Example: You host a party and one of your guests slips and falls. If you're liable, renters insurance can pay for medical expenses and any court/legal fees if you're sued.

Additional living expenses

If your place is damaged and uninhabitable from a covered incident, renters insurance can pay for your additional living expenses and even pays you back pay for meals (above what you'd normally pay).

Example: Your apartment's kitchen is damaged due to a cooking fire, and you're forced to stay in a hotel for a week during repairs. You'll be reimbursed for hotel and dining expenses above what you would normally spend on groceries or dining out.

Who needs renters insurance?

Renters insurance is for anyone renting an apartment, home, condominium, or any other living space (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, and sinkholes
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?

Your policy won't cover damage due to flooding. However, your personal belongings are typically covered if the water damage is sudden, accidental, and comes from inside the residence.