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Save money on renters insurance easily by shopping around for your policy. You can do this with one, simple form on our site. We will give you up to five free renters insurance quotes.
Our insurers are also forced to compete directly for your business, which tends to make their quotes lower than those of other sites. Another way you can save money on your renters insurance policy is to raise your deductibles. The higher your deductibles are, the lower your policy’s premiums will be.
Many renters are not aware that their landlord’s policy leaves tens of thousands of dollars of their personal belongings unprotected. In fact, the average renter has $20,000 of personal items that would not be covered under a landlord’s policy. The landlord’s policy also does not offer you any liability protection in the event someone is injured in your apartment or if you cause property damage. Renters insurance fills in the gaps left by the landlord’s policy. It protects your personal belongings and gives you valuable bodily injury and property damage liability protection. For example, if someone slips and falls in your kitchen and you are found legally liable, a renters insurance policy would cover your legal defense and the ensuing damages. Similarly, if you are found legally responsible for a fire in your apartment building, your policy would cover the resulting damages up to your coverage limit.
The average renters insurance policy costs just $12-$25 per month, which is an investment that is well worth the thousands you would otherwise stand to lose. Before you get renters insurance quotes, you should try to estimate the value of your personal belongings by taking a room-by-room inventory. You may also want to take photographs of your personal items and store them in a safe place away from your rental. This process will help you get an idea of how much coverage you need, and it will provide you with documentation of the existence and worth of your items. Keep in mind that all renters insurance policies have certain exceptions, such as flood damage and items of exceptional value. If you live on a flood plain or in an earthquake-prone area, you should look into flood and earthquake insurance. Likewise, if you have personal items that are of extraordinary worth, such as electronics, jewelry, valuable collections, etc., you might consider getting riders on your policy for these items.
Just because you don't own your home doesn't mean you shouldn't protect the items it houses! Getting renters insurance is one of the smartest moves any renter can make, especially since rates can be as low as just a few dollars per month. Use the guides below to learn more about renters insurance and what to look for in a quality renters policy.
Are you depending on your landlord’s policy to protect you from financial losses in the event of disaster? If so, you are taking an enormous risk. Read up on the ABC’s of renters insurance to find out what the coverage is and why it’s a necessity.
When you’re moving into a new apartment, you’re often trying to juggle a million different things at once, like the moving process, paying your security deposit and rent, buying new furniture, and anything else that may come up. During this time, there’s one thing that tends to get neglected by many people - renter’s insurance. [...]
Every year, millions of Americans go through the process of moving and finding a new place to live. It can be a frustrating experience and leave you living somewhere you wouldn’t wish upon your worst enemies. But by doing your homework and putting some effort into your apartment search, finding the right place at the [...]
Renters insurance often falls under the radar, either because tenants think it unnecessary or simply because it just never occurs to them. While a minority of landlords requires it prior to moving in, renters insurance is usually something most landlords fail to mention. Unfortunately for renters, this means they do not realize that the landlord’s [...]
If you rent your home and don’t think you need rental insurance, you are mistaken, but you are definitely not alone. In fact, over two-thirds of the 81 million renters in this country do not carry renters insurance. This is a disturbing fact when you think about the financial devastation that could befall [...]
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