Get free, no obligation quotes from multiple providers

What People Are Saying

Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

State Farm Insurance Allstate Insurance Farmers Insurance American Family Insurance Unitrin Insurance Travelers Insurance


Tenant rental insurance is a great investment in your future if you are currently renting. It does not matter if you are renting a studio loft or a five bedroom townhouse, all tenants can qualify and benefit from rental coverage.

Although tenant rental insurance is not mandatory, it is a great way to protect your belongings and your family in the event of a serious disaster or accident. After all, you protect your income with income protection coverage. You protect your car with vehicle coverage. You even protect your dog with pet insurance. Why not protect the things that matter the most with tenant rental insurance? Tenant rental insurance comes into effect after damage from any natural disaster, weather damage and damage caused by negligence of others. This includes landslides, earthquakes, tornadoes, hurricanes, storms, fires, smoke, sleet, hail, wind, snow, ice, theft, vandalism and civil commotion.

Cheap Rental Insurance Rates

Tenant rental insurance is for anyone currently renting, regardless of whether you are renting a house or an apartment. If you are living in a rental complex, such as an apartment, a student dorm or a senior citizen complex, your belongings are not only under pressure from Mother Nature, but also from the negligence of the other tenants. After all, while you may always turn off your water, your next door tenant may not and thus you could be looking at water damage to your favorite paintings and area rugs. Even if you always lock the doors, your neighbor may not and you could be looking at a theft or break in. Even if you always go to bed at a reasonable hour and respect your fellow tenants, your neighbor may not and you could be looking at serious damage from a housewarming party gone wrong.

Even if you do not live in a complex but are renting your own house, condominium or townhouse, it is still a good idea to protect yourself, your belongings and your loved ones, even if it's something like student rental insurance. You cannot be home every hour of the day to stop Mother Nature from doing damage or stop a robber from stealing your television. Furthermore, as much as you try, you cannot watch your children at all times. If, during that split second that you take your eye off your son, he falls down the stairs and suffers a serious head injury, the last thing you want to worry about is how you will pay for his emergency surgery and rehabilitation therapy. With tenant rental insurance, you won't have to. You can focus on his recovery and taking as much time off as you need while your tenant coverage agency handles the rest.

How Tenant Insurance Works

Tenant rental insurance works in a number of different ways. Contents insurance will pay to replace or repair any moveable objects in your rental home in the event of a disaster. This includes furniture, electronics, jewelry, clothing, toys, paintings, area rugs and anything else that is moveable. Contents coverage can also act as travelers insurance. If you are on holiday and the airline looses your luggage, your contents coverage can pay to have it replaced. Loss of use coverage will pay for any moving cost or alternative accommodation expenses if your rental home is damaged in an accident and rendered unlivable. Physical liability protection will pay for the medical and legal expenses incurred if someone is seriously injured in your home. This includes rehabilitation costs, surgery and loss of income in most plans.

The level of rental coverage you require will depend on a number of things including what you want to insure, where you live and what your lifestyle is like. Do you do a lot of traveling away from the home? Do you have young children running around the house? Do you do a lot of entertaining in your condo? Do you have safety hazards such as a swimming pool or a balcony? Do you live in a high crime area? Do you have an alarm system in place? Do you have an antique collection or anything of extreme value in the house? All of these questions will factor into your tenant rental insurance policy.

Compare Tenant Renters Insurance

When it comes to purchasing tenant rental insurance, you want to be sure that you are getting a comprehensive plan at an affordable premium from a respected and trustworthy company. Finding the best of all three criteria can be tricky. No one wants to spend their free time contacting different agencies to determine their best price quotes and offers. However, with an online search, you will have instant access to everything you need to know about tenant renter's coverage. A few minutes is all it takes to browse through the options, compare tenant coverage providers and purchase a policy that is right for your needs.