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, lawsuits, and temporary living expenses if you’re forced to live elsewhere because your home is uninhabitable.

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.

According to ASI, one of the insurers in Progressive’s network and part of our family of companies, the average renter has nearly $28,000 worth of belongings. 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.

What is covered by renters insurance?

Renters insurance covers your belongings, living expenses if your place is damaged, and even certain lawsuits against you. Get a renters insurance quote, and experts will help explain all your coverage options.

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'll likely have 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.

Personal Liability

If you’re liable because someone is injured at your residence, liability coverage pays for others' medical bills (up to the limits of your policy) as well as costs pertaining to a lawsuit.

Example: You host a party and one of your guests accidentally damages furniture in your apartment's party center. Your renters insurance would pay for the damages and any court/legal fees if you’re sued.

Temporary 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.

How you can save on renters insurance

Bundle auto and renters insurance

Get your auto and renters policies from Progressive, and you can save 5% or more. The discount will be added to your auto policy.

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.

Pay in full

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

More questions about renters insurance? We have Answers.

Are you a renter or landlord wondering what kind of coverages you need? Use Progressive Answers as a resource for all your inquiries about renters insurance.