Shockingly Cheap Renter Insurance

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  • Protection For As Low As $7/month
  • Covers Theft Both At Home & Outside
Top Renter’s Insurance Providers
How Much is Renters Insurance?
The average cost of renters insurance is $156 a year, or about $13 a month, according to our rate analysis.
What Does Renters Insurance Cover? (And What It Doesn’t)
Renters insurance typically covers your personal property in the case of theft, vandalism, fire, and more, like:
  • Computers & Electronics
  • Bicycles
  • Furniture
  • Clothing
Basically... all your personal stuff.
Coverage even extends to property in your car. If your laptop is stolen from your car, it’s likely covered.
What Renters Insurance will NOT cover
Renters insurance covers most of your personal property unless the losses arise from:
  • Flooding or earthquake
  • Pests
  • Pets
Two other categories of losses not covered are:
  • Your car: The contents inside your car are covered, but the car itself is not.
  • Structure of the building: This falls under your landlord’s insurance and they are responsible for taking care of this.
Voted #1 Renters Insurance Quote Provider of 2024
Recent Quotes Received from Our Users
$100,000 Coverage
San Antonio, TX
5 Hours AGO
RENTER Profile
Property Type: Apartment
Possessions Worth: $10,000
Deductible: $500
$100,000 Coverage
Chicago, IL
6 Hours AGO
RENTER Profile
Property Type: House
Possessions Worth: $20,000
Deductible: $500
$100,000 Coverage
Philadelphia, PA
12 Hours AGO
RENTER Profile
Property Type: Condominium
Possessions Worth: $25,000
Deductible: $250
$200,000 Coverage
San Diego, CA
07/21/2024
RENTER Profile
Property Type: Townhome
Possessions Worth: $15,000
Deductible: $500
$100,000 Coverage
Seattle, WA
07/20/2024
RENTER Profile
Property Type: Duplex
Possessions Worth: $10,000
Deductible: $500
$300,000 Coverage
Houston, TX
07/20/2024
RENTER Profile
Property Type: Apartment
Possessions Worth: $15,000
Deductible: $250
$100,000 Coverage
San Antonio, TX
07/17/2024
RENTER Profile
Property Type: Apartment
Possessions Worth: $35,000
Deductible: $100
$100,000 Coverage
Los Angeles, CA
07/12/2024
RENTER Profile
Property Type: House
Possessions Worth: $10,000
Deductible: $500
$100,000 Coverage
Philadelphia, PA
07/10/2024
RENTER Profile
Property Type: Apartment
Possessions Worth: $20,000
Deductible: $500
Is Renters Insurance Required?
95% of landlords will insist you purchase renters insurance before renting their property. Many renters assume the landlord’s insurance policy covers their assets only to find out later that their landlord’s insurance policy covers only the building structure, but not your personal belongings.
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What is the Best Renter’s Insurance Company?
The cheapest renters insurance company
Liberty Mutual has the cheapest car insurance rates on average out of all national insurers with a rate of $5 per month.
  • Low base rates: We have found that Liberty Mutual offered rates that were half of what its competitors offered.
  • Wide Variety of Discounts: Choose between various discounts, which have proved to be easy to qualify for.
  • Easy-to-use: With its mobile app and online process, you can get a quote within minutes.
Lowest Rate
FROM $5/MONTH
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Based on our studies, here were the 2nd & 3rd cheapest insurers.
$7/month
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$9/month
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The best renters insurance based on non-price factors
Below are our recommendations of insurers for customers looking for the best renters insurance company based on non-cost based factors:
Type Best Company
Customer Service Allstate
Best Perks Farmers
Great Shopping Experience AAA
Coverage Options Allstate
How to find the best renters insurance company for you?
Ultimately, the best renter insurance for you will combine a variety of factors.
  1. A company that balances customer service and price, making it the best value for your situation.
  2. A company that has all the coverages you want: basic coverages you need and maybe even some unique coverages to fit your situation.
  3. A company that is not necessarily a major name. Many of the best insurers for you might may only operate locally.
  4. A company that is financially stable, ensuring you won't have to worry about whether claims are paid due to financial issues at the company.
What is the Best Way to Compare Renters Insurance Rates?
We made a tool that helps you save money when purchasing renters insurance. First, it finds out how much renters insurance will cost you based on your needs. Then it compares quotes from top insurance companies, so you get to decide which option is best for you!
It is amazingly simple to use. All you need to do is put in your ZIP code, coverage & home details. Our tool will then show you the lowest prices from 5 different insurers in your city across 100+ companies in the US. The entire process only takes about 15 seconds.
Email or phone number is not required.
Shockingly Cheap Renter Insurance
With Low Deposit Required
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About Us
15+
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10 Million+
Total Users
4000+
Cities Reviewed
Our Mission:
Renters-Insurance.org’s mission is to inform and educate Americans on renters insurance prices, requirement policies, coverage, and rates from 100+ top insurance companies.
Data Methodology
Over the last 6 months, we collected 125 quotes from renters insurance companies for residences in the US. We calculated the average cost and the typical costs for each company. For our sample person, we had $30,000 of property coverage, $100,000 of liability coverage and $1,000 of medical payments to guests.
Renters-Insurance.org is managed by our editor, Chris Anderson. Chris is an expert about renters, home, pet, and auto insurance. He spends time finding insurance providers who will provide people with the most cost-effective coverage. Chris has written articles for the New York Times, Forbes, and many other publications. Chris is a New Jersey native and received his B.A. in English from Georgetown University in 2008. In his free time, he enjoys snowboarding, biking, and spending time with his two kids.

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