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Renters Insurance

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

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Couple unpacking

Some of the things your renters insurance policy covers

Computer Phone
Personal Property
Workers Comp
Damage from accidents
Home Physical Damage
Temporary living expenses

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

man on laptop

Would my phone and computer be covered by renters insurance?

You bet.

Would my phone and computer be covered by renters insurance?

We offer a few ways to protect your devices, depending on what kind of protection you need.

Personal Property Coverage will cover your phone and computer inside your home in the event of a break-in, fire, or other unpredicted circumstances.1 This coverage comes standard with every policy

Personal Property Replacement Cost can be added to your policy to make sure you're covered for the cost of a new device.2

Would I be covered for a place to stay if my home was unlivable?

Of course.

Would I be covered for a place to stay if my home was unlivable?

Whether it's a burst pipe or damage from a storm, if your home is uninhabitable, you can count on a place to stay with Additional Living Expenses Coverage.3

This coverage comes standard with every Liberty Mutual renters insurance policy.

Understand your renters coverage options

Real life example
Personal Property
Your place is broken into and your bike is stolen. This coverage will help you replace your bike.
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.
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.
Personal Property Replacement Cost
Your car is broken into at home and your cell phone is stolen. This will help you get a new phone.4
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.
Earthquake Damage
Your neighborhood suffers an earthquake, causing items on your shelves to fall and break. Your shelves and those items will be covered.

We’re ranked best for renters insurance discounts5

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 quote.

Auto Home

Bundle and save

Convenience and savings - need we say more? Combine your policies and get a discount.
Savings Discount

Online purchase discount6

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.
Woman preparing her moving checklist
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

1Does not apply to accidental damage. Refer to your policy for details
2Does not apply to accidental damage. Optional coverage. Subject to a deductible. May vary by state. Refer to your policy for details
3Stated policy limits apply; not available in all states.
4Coverage terms and details vary by state
6May not be available in all states
7Depending on the tort (grounds for a civil lawsuit) alleged
$5 Renters: Not available in all states