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Renters Insurance

Get customized renters insurance for as low as $5 a month.1

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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!2 Start a free quote and find out why.

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We're ranked best for renters insurance discounts.

Don't just take our word for it, The Simple Dollar has named Liberty Mutual best for renters insurance discounts.2 Find out how much you can save when you start your renters insurance quote.

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Online Purchase Discount

You could save 10% when you get customized renters insurance on LibertyMutual.com.3
Learn about saving with discounts
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Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.
See our bundling savings options

Those are just a few of the ways Liberty Mutual helps you save on your renters insurance costs.

What is renters insurance?

Renters insurance is for tenants renting an apartment, condo, or home. It typically 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.

It's important to note that renters insurance is different from home and landlord insurance, both of which are intended for property owners and won't provide the specific coverage a renter needs.

What does renters insurance cover?

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

Additional renters coverages can be added to a policy, including special coverage for jewelry and/or other high value items.

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

Does renters insurance cover my things outside of my rental unit?

Yes! No matter where you are, your personal property is covered. Renters insurance is protection that goes with you.

  • In your car. Even though you hid your tablet and camera under the seat, both are stolen.
  • On vacation. Sprinklers go off in your hotel room ruining your laptop.
  • On the go. Moving? Your policy will protect your belongings 30 days from the day you start the move.

How much renters insurance coverage do I need?

While coverage will ultimately depend on how much stuff you need to protect, coverage of $15,000 for personal belongings and up to $100,000 in liability coverage, with the option to add on additional coverages, is often sufficient.

Determining how much renters coverage you need begins with how much stuff you need to protect.

Your belongings
The more stuff you need to protect, the higher the limit you should consider. Take inventory of your belongings before quoting, that way you have a better general idea of the coverage limit you'd like to select. This includes your clothes, electronics, furniture, kitchenware, jewelry, and other items you own.

Your liability
Liability comes standard with a Liberty Mutual Renters policy. This coverage means you're protected if you, your family member, or your pet injures someone or damages their property.

You can also consider no-fault medical coverage, which means your insurance company will foot the bill for someone's medical bills if they're injured in your home.

Your policy's liability portion could also cover the cost of a lawyer to defend you in court and the cost of court awards, up to your policy's limit. These limits usually start at about $100,000, but you can choose to buy more coverage.4

Finally, here's a helpful way to think about the cost of your renters policy:
More coverage + lower deductible = higher premium
Less coverage + higher deductible = lower premium

Download our app - the easiest way to manage your policy

QR code for mobile app
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Open the camera on your phone, hold it up to the QR code, and tap the link to download.
Access your ID cards
Save them right to your device for proof of Insurance.5
Pay and manage bills
Quickly pay bills, enroll in Autopay, and update billing preferences.
File and track claims
File a claim in minutes when you need it.
  • Access your ID cards
  • Pay and manage bills
  • File and track claims
  • ...and more!

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 commonly insure renters living in:

  • Small apartments
  • Large apartments
  • Stand-alone homes
  • Townhouses
  • 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.

How much is renters insurance?

For as low as $5 a month, renters insurance from Liberty Mutual is a surprisingly cheap and affordable way to keep the things you love safe and protected.

However, 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.

Get started creating your custom renters insurance quote

Start my quote

Common renters insurance questions

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Looking for renters insurance advice? We can help.

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Your renters insurance questions answered

Let's clear up anything you still might be wondering about getting a renters insurance policy.
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Loading... More about renters insurance

1Not available in all states.
2Source: https://www.thesimpledollar.com/insurance/home/best-renters-insurance/
3NOT AVALIALBE IN CA. Not available in all states. Discount applies to base policy coverage, not optional coverages or endorsements.
4Depending on the tort (grounds for a civil lawsuit) alleged.
5Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.