Most renters are shocked when they add up their belongings. Calculate your personal property value and find out how much renters insurance you actually need.
Renters insurance is one of the best deals in personal finance. Comprehensive coverage typically costs $15-30/month and covers your belongings, liability, and temporary living expenses if your apartment becomes uninhabitable. Yet 55% of renters have no coverage.
🛋️ Your Belongings (estimate replacement cost)
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⚙️ Coverage Preferences
Recommended Personal Property Coverage
$0
Estimated monthly premium: $0
Total Belongings Value
$0
Replacement cost estimate
Liability Coverage
$0
Slip-and-fall, damage, etc.
Est. Monthly Premium
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Typical range for your coverage
Cost Per Day
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What protection costs daily
What Your Policy Should Cover
Personal property—
Liability protection—
Loss of use / additional living expenses (20%)—
Medical payments to others$1,000-$5,000 standard
Important: jewelry usually limited to $1,500—
Get renters insurance from $15/month
Renters insurance is one of the most affordable ways to protect everything you own. Get a quote in under 90 seconds.
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Frequently Asked Questions
What does renters insurance cover? ▾
Standard renters insurance covers: Personal property (your belongings) for fire, theft, vandalism, water damage from plumbing, and more; Liability if someone is injured in your apartment or you accidentally damage someone else's property; Additional living expenses if your unit becomes uninhabitable; Medical payments for minor injuries to guests. It does NOT cover your landlord's building (that's their responsibility) or flood/earthquake damage.
Is renters insurance required by landlords? ▾
Increasingly yes — many landlords and property management companies now require proof of renters insurance as a lease condition. Even if not required, it's one of the smartest financial decisions a renter can make. A basic policy costs less than your monthly streaming subscriptions and protects against losses that could take years to recover from.
What isn't covered by renters insurance? ▾
Common exclusions: floods (need separate NFIP policy), earthquakes (need rider or separate policy), high-value jewelry above $1,500-2,500 (need rider), valuable collectibles/art above policy limits, roommate's belongings (they need their own policy), business equipment used commercially, vehicles (covered by auto insurance), and intentional damage. For jewelry, art, or instruments above standard limits, ask about a personal property floater or rider.