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Renters Insurance

Get customized renters insurance for as low as $5 a month

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Low cost customized renters insurance.

Liberty Mutual offers comprehensive, customized renters coverage to protect your belongings at a wallet-friendly price. That’s why we’ve been ranked as one of the best companies for renters insurance discounts! Don’t just take our word for it, start a free quote and find out why.

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What does renters insurance cover?

  • Clothing
  • Electronics
  • Furniture
  • Jewelry
  • Damage from accidents
  • Temporary living expenses

Renters insurance provides coverage for your belongings from damages such as fire and smoke, vandalism, theft, and some weather-related incidents too. It also protects you financially if a visitor to your home gets injured and takes legal action.

We help you customize your insurance so you only pay for what you need.

man on laptop

How much is renters insurance?

Generally, how much you pay depends on a number of things, including where you live, the value of your belongings, and how much coverage you want. Renters insurance shouldn’t be one-size-fits-all, that’s why it’s so important your personal needs are accounted for. When you get a renters quote with Liberty Mutual, we’ll make it easy to understand the coverage that’s right for you, so you only pay for what you need.

You can get affordable Renters Insurance from Liberty Mutual for as little as $5 a month.

Sunny apartment

Manage your renters insurance on the go.

Managing your renters insurance is easy. Simply download our mobile app to manage your policy, pay your bill, or even file a claim.

Open the camera on your phone, hold it up to the correct QR code for your device, and click the link to download.

Scan this QR code to download the Liberty Mutual Mobile App on iOS
Scan this QR code to download the Liberty Mutual Mobile App on Google Play

Liberty Mutual mobile app.

Who is renters insurance right for?

It’s simple – if you rent your home and wish to protect your belongings, then renters insurance is right for you. Some landlords or residential management companies may even require it before you sign your lease.

We offer coverage for every type of rental property, including:

  • Small apartments
  • Large apartments
  • Stand-alone homes
  • Townhomes
  • And more

The amount of coverage you need will depend on how much stuff you own and want to protect, not the kind of home you rent.

Couple and landlord signing rental lease

Understand your renters coverage options

Real life example
Personal Property
Your place is broken into and your bike is stolen. This coverage will help you replace your bike.
Liability & Medical Payments
Someone slips on your kitchen floor and breaks their wrist. This would protect you from a legal claim the person may bring against you.
Additional Living Expenses
A pipe bursts in your apartment and it becomes unlivable. This will help pay for temporary lodging while the pipe is fixed.
Personal Property Replacement Cost
Your car is broken into at home and your cell phone is stolen. This will help you get a new phone.4
Blanket Jewelry
After taking your engagement ring off at the beach, you find you’ve lost it in the sand (gulp). This will help you get a new one.
Earthquake Damage
Your neighborhood suffers an earthquake, causing items on your shelves to fall and break. Your shelves and those items will be covered.

We’re ranked best for renters insurance discounts5

Don’t just take our word for it, The Simple Dollar has named Liberty Mutual best for renters insurance discounts. Find out how much you can save when you start your quote.


Bundle and save

Convenience and savings - need we say more? Combine your policies and get a discount.

Online purchase discount6

Buy your policy online and save. It’s that simple.

Looking for some advice? We can help.

Property insurance 101
Couple unpacking in their new apartment
Let’s clear up anything you still might be wondering about getting a renters insurance policy.
Woman preparing her moving checklist
A checklist of to-dos to help you get ahead of packing, moving, and everything in between.

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Renters insurance: Common questions

More about renters insurance

1Does not apply to accidental damage. Refer to your policy for details
2Does not apply to accidental damage. Optional coverage. Subject to a deductible. May vary by state. Refer to your policy for details
3Stated policy limits apply; not available in all states.
4Coverage terms and details vary by state
6May not be available in all states
7Depending on the tort (grounds for a civil lawsuit) alleged
$5 Renters: Not available in all states