Renters Insurance

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Renters insurance offers essential protection

Renters looking to protect their stuff can rely on affordable renters insurance from Progressive, but coverage goes beyond your personal belongings. A renters policy may also pay for medical bills if someone is injured at your residence and you are liable, or additional living expenses if your home is unlivable due to a covered loss.

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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 that you are liable for to visitors. When you quote renters insurance with Progressive, you can customize your coverage and limits.

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Standard Coverages

Personal property

Personal property coverage provides coverage for items such as clothing, electronics, furniture, tools, and appliances. These types of items may be covered against incidents including fire, theft, vandalism, tornadoes, and water damage. You may need extra coverage for jewelry or art and collectibles, which you can add during the renters insurance quote process.

Example: Your place is burglarized, and your couch is stolen. Your personal property coverage may reimburse you the cost to replace the couch, up to your policy’s limits, minus your deductible.

Liability

If you're responsible for someone's injuries at your residence, personal liability coverage may 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 may pay for medical expenses, lost wages and court/legal fees if you're sued.

Loss of use

If your place is damaged and uninhabitable due to a covered loss, loss of use coverage may help pay for lodging and grocery expenses (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 may 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, we can send proof of insurance to your landlord/complex.

If your personal property is stolen or damaged in a fire, your landlord typically won't cover anything. That's why you may want renters coverage to help protect your belongings.

Common questions about renters insurance

Below are some commonly asked questions regarding renters insurance. See our renters insurance resources page for more information.

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. Use our personal property calculator to find out how much coverage you may want to start with.
What is your net worth? If you're liable for someone else's injuries or property damage, you need at least enough personal liability coverage to cover what you have to lose.

What does renters insurance protect against?

Renters insurance may cover the following situations, up to the limits of your policy and minus any deductible:

Your furniture, clothing, and electronics are stolen in a burglary. Personal property coverage may pay to replace the items (special limits may apply).
A visitor is injured at your residence and you’re liable. Liability coverage may pay for their medical expenses.
Water damage in your apartment complex means you’re forced to live elsewhere while repairs are made. Loss of use coverage may pay for your lodging.

Does renters insurance cover flooding?

Your renters insurance policy won't cover damage due to flooding. However, your personal belongings are typically covered if the water damage is sudden and accidental and not due to flooding.