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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 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?

Renters insurance generally protects the following for a renter:

  • 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.

man on laptop

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 is renters insurance?

For as low as $5 a month, renters insurance from Liberty Mutual is a surprisingly 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.

Begin your free online quote

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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.

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

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.1

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

Understand your renters coverage options

Coverage
Real life example
Standard
Add-on
Personal Property
Your place is broken into and your bike is stolen. This coverage will help you replace your bike.
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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.
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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.
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Personal Property Replacement Cost
Your car is broken into at home and your cell phone is stolen. This will cover the cost of a brand new phone.2
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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.
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Earthquake Damage
Your neighborhood suffers an earthquake, causing items on your shelves to fall and break. Your shelves and those items will be covered.
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We’re ranked best for renters insurance discounts3

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 renters insurance quote.

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Bundle and save

Convenience and savings - need we say more? Combine your policies and get a discount.
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Online purchase discount4

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.
Moving
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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

1Depending on the tort (grounds for a civil lawsuit) alleged
2Optional coverage. Subject to a deductible. May vary by state
3Source: https://www.thesimpledollar.com/insurance/home/best-renters-insurance/
4NOT AVALIALBE IN CA. Not available in all states. Discount applies to base policy coverage, not optional coverages or endorsements
$5 Renters: Not available in all states