Renters insurance quotes
Low cost, customized renters insurance
Get customized renters insurance with Liberty Mutual to protect your belongings at a great price. Our coverage options and discounts earned us a top spot as one of the best companies for renters insurance, according to The Simple Dollar!2
Start your free renters insurance quote and see how much you could save.
Save money with these renters insurance discounts
Start your renters quote to see how much you can save.
Online Purchase Discount
Bundle and Save
Those are just a few of the ways Liberty Mutual helps you save on your renters insurance costs.
What is renters insurance?
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.
What does renters insurance cover?
- 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.
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.
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 will protect your belongings 30 days from the day you start the move.
How much renters insurance coverage do I need?
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 belongings
- $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
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Access your ID cards
Pay and manage bills
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- Access your ID cards
- Pay and manage bills
- File and track claims
- ...and more!
Should I get renters insurance?
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.
How much is renters insurance?
Liberty Mutual’s renters insurance can be as low as $5 a month! Although surprisingly cheap and affordable renters insurance is a great way to help keep the things you love safe and protected.
Cost varies based on a few factors
- Value of your items
- How much coverage you want
You can think about the cost of your renters insurance policy like this
- More coverage + lower deductible = higher premium
- Less coverage + higher deductible = lower premium
When you get a renters quote with Liberty Mutual, we make it easy to understand the coverage that's right for you, so you only pay for what you need.
Renters insurance frequently asked questions
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 a roommate or spouse you want on your policy