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Renters insurance quotes

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

Get customized renters insurance with Liberty Mutual to protect your belongings at a great price.

Start your free renters insurance quote and see how much you could save.

Average customer rating

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Save money with these renters insurance discounts

Start your renters quote to see how much you can save.


Online Purchase Discount

You could save 10% when you get customized renters insurance on
Learn about saving with discounts

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 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?

  • 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.

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

See all renters coverages

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.3

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!

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

  • Location
  • 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.

Get started creating your custom renters insurance quote

Start my quote

Renters insurance frequently asked questions

Begin your free online quote


Ready for a quote?

Customer reviews

January 8th, 2021

Great people!

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Absolutely wonderful people and easy to work with! I had a great time working with my agent on a major claim. She was thorough, swift and made my life tremendously easier! Thanks!
October 13th, 2020

burnt house help

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
this company has been on point. 7 days after purchasing our renters ins our house caught fire (faulty wiring). Our landlord did NOT even try to help us. I called and filed a claim and Liberty Mutual was there every step of the way helping us out. From helping with hotel rooms and paying the bill for rooms, to temporary housing. they were great. very helpful and quick to act
October 12th, 2020

Great Company

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Absolutely love this company I switched and added renters insurance and ended up saving $40 a month.
October 12th, 2020

Thoughts on Liberty

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
This has been a pleasure of a company to work with. They always answer any question I may have and make me feel like I am in good hands.
May 5th, 2020

Liberty Mutual--thumbs up

4 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Empty
Overall, Liberty Mutual was very helpful. Their rates seemed fair and competitive. I checked other companies and Liberty had the best rate.
For more customer reviews about Liberty Mutual, please visit the Clearsurance website.4

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Loading... More about renters insurance

1Not available in all states.
2NOT AVALIALBE IN CA. Not available in all states. Discount applies to base policy coverage, not optional coverages or endorsements.
3Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.
4Selected 4 and 5 star customer reviews about Liberty Mutual as shown on Clearsurance. For all customer reviews about Liberty Mutual shown on Clearsurance, please visit