Renters insurance quotes

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Renters insurance helps protect your belongings like clothes, furniture, and electronics. In general, renters insurance can help pay for damages caused by things like fire, theft, and even some weather-related incidents. So, if you rent an apartment, condo, or home, you probably need renters insurance.

Renters insurance can also help pay legal fees if a visitor is injured at your rental. Keep in mind, renters insurance isn't the same as home or landlord insurance. Those are designed for property owners and don't give you the protection you need as a renter.

Start your renters insurance quote

Yes, if you rent a property and want to protect your stuff from damage or theft, renters insurance will help.

Please note, renters insurance isn't required by law. That being said, some landlords or residential management companies require it.

Renters insurance typically covers

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

You can also add other renters coverages like special coverage for jewelry and/or other high value items.

We can help you save money by customizing your renters insurance so you only pay for what you need.

See all renters coverages

Renters insurance can pay for water damage to your belongings like furniture, clothes, and electronics caused by a sudden and accidental cause. This can include things like a pipe breaking or a leak caused by a severe storm.

Please note, renters insurance doesn't pay for flood damage and won't cover structures like walls, ceilings, and floors. These would be covered by the building owner.

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

Examples of how renters insurance can help protect your stuff

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

In general, coverage depends on how much stuff you need to protect. To get started, take inventory of your belongings. Include your clothes, electronics, furniture, kitchenware, jewelry, and other items you own. This will help you think about how much protection you need.

For many people, a good amount of coverage is

• $15,000 for personal damage
• $100,000 for liability coverage

You can also add additional coverages to give you extra protection.

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

Another thing to consider adding is No-fault Medical Coverage. This means your insurance company can help pay for someone's medical bills if they're injured in your home.

Other optional coverages to consider

• Earthquake Damage
• Personal Property Replacement Cost
• Blanket Jewelry

See all renters coverages

Your landlord may be insured, but that doesn't mean you're protected if there's an accident.

Landlord insurance covers the investment of the landlord, in other words their property. This includes

• Interior weather damage that may impact the renter, including ceiling and wall damage
• Vandalism to the exterior of the property
• Water damage if a pipe bursts

Getting a renters insurance quote is easy with Liberty Mutual. All you need is

• Basic information about yourself
• Basic information about your rental property
• An estimate of how much your belongings are worth
• Any additional people such as roommates or spouse you want on your policy

Please call us at 800-290-8711 to add one of these.

An additional interest can include

• Home builders
• Apartment complex/Building managers
• Homeowners associations (condo or home)
• City/Municipality request

No, renters insurance does not cover pets. You'll need to buy a separate pet insurance policy.