Renters insurance for your apartment, in about 2 minutes.
Most renters pay around $15 a month to protect their stuff and themselves. Compare quotes from top-rated providers in one place — no calls, no pressure, no obligation.
See your options
Three steps to a covered apartment
We make the boring part fast. Tell us a little about your place, see real quotes side by side, and pick the policy that fits — on the provider’s own secure site.
Enter your ZIP & basics
Your city and the rough value of your belongings is enough to get started. No long forms, no credit pull to look.
Compare real quotes
See options from top-rated renters insurers in one view — coverage, deductible, and monthly price laid out plainly.
Pick & get covered
Choose a provider and finish on their secure site, usually the same day. Many policies start the moment you pay.
More than just your stuff
A standard renters policy typically bundles four protections. Coverage varies by policy — always read the terms — but here’s the usual shape.
From the sofa and TV to your laptop and clothes, the things that make an apartment feel like home add up fast. A renters policy helps replace them after a covered event — and protects you if someone’s hurt in your place. Compare what top providers include before you choose.
Personal property
Liability
Loss of use
Medical payments
Compare top renters insurers
A few well-known names renters often compare. Ratings reflect general reputation, not a guarantee — your price and coverage depend on your situation.
quotes in minutes
varies by location
insurers at once
no extra cost
How much is renters insurance?
Renters insurance is one of the cheapest policies you can buy. National figures put the average around $15 a month — roughly the price of a couple of coffees — for tens of thousands of dollars in protection. Your exact price depends on where you live, how much coverage you choose, and your deductible.
See prices for your ZIPaverage renters premium per month*
(*Industry averages; your quote will vary.)
Renters insurance, answered
Do I really need renters insurance?
Your landlord’s insurance covers the building — not your belongings or your personal liability. If your stuff is stolen or damaged, or someone is hurt in your unit, that’s on you without a policy. Many landlords also now require renters insurance in the lease.
Can my landlord require renters insurance?
Yes. In most states a landlord can make renters insurance a condition of the lease and ask for proof of coverage. It protects both of you, and because the policies are inexpensive, it’s a common requirement.
What does renters insurance actually cover?
A standard policy typically covers your personal property, personal liability, loss of use (extra living costs if your place becomes unlivable), and medical payments for guests. Coverage and limits vary by policy, so read the terms.
How much coverage do I need?
Add up what it would cost to replace your belongings — furniture, electronics, clothes — and choose a personal-property limit that covers it. Most renters land somewhere between $20,000 and $50,000, plus $100,000+ in liability.
Is this site an insurance company?
No. ApartmentRentalInsurance.com is a free, independent comparison site. We don’t sell or issue policies and we’re not a licensed agent or broker. We help you understand your options and connect you with licensed providers, and we may earn a commission if you buy through our links.
Peace of mind that fits a renter’s budget
You don’t need to own a home to protect what’s yours. For roughly the price of a couple of coffees a week, renters insurance covers your belongings, your liability, and a place to stay if your apartment becomes unlivable — so you can relax and feel at home. Compare free quotes and pick what fits.
Compare Free QuotesProtect your apartment for about $15 a month
Compare free quotes from top-rated renters insurers in a couple of minutes. No calls, no pressure.
Compare Free QuotesRelated resources: Explore our renters insurance guides hub for state and topic breakdowns, or check out community-vetted answers on our Reddit renters insurance resource page.