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Affordable Renters Insurance Quotes — Compare and Save
Even if you don’t own the home you live in, your possessions still need coverage. CarInsuranceMatch.com helps you find affordable renters insurance quotes from trusted providers in just minutes.
- Starting as low as $10/month
- Covers theft, fire, water damage & more
- Get matched with top insurers instantly
- 100% free and mobile-friendly
📍 Enter your ZIP code to compare personalized policies now.
What Is Renters Insurance?
Renters insurance protects your personal property inside a rented apartment, home, or condo. It also provides liability protection if someone is injured in your home, and it can help with temporary housing if your rental becomes unlivable.
Renters insurance typically covers:
Coverage Type | What It Protects Against |
---|---|
Personal Property | Theft, fire, vandalism, some water damage |
Liability Protection | If you’re sued for accidental injury or damage |
Medical Payments | Minor injuries that happen in your rental |
Loss of Use | Hotel/living costs if your unit is uninhabitable |
Who Needs Renters Insurance?
You should strongly consider renters insurance if you:
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Rent an apartment, house, or condo
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Have electronics, furniture, jewelry, or valuables
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Want protection in case of fire, theft, or accidents
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Host guests or roommates in your rental
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Can’t afford to replace everything out-of-pocket
💡 Pro Tip: Your landlord’s insurance only covers the building — not your stuff.

How Much Does Renters Insurance Cost?
Renters insurance is surprisingly affordable. Most policies cost between $10–$25/month, depending on:
Factor | Impact on Price |
---|---|
ZIP Code | Higher-risk areas may cost more |
Coverage Amount | Higher limits = slightly higher premium |
Deductible Choice | Lower deductible = higher premium |
Security Features | Alarms and deadbolts can lower costs |
Claims History | Clean history = cheaper policies |
🎯 Bundle Tip: Combine renters and auto insurance to save up to 15–25%.

What Does Renters Insurance Cover?
Here are real-life examples of when renters insurance pays off:
- A kitchen fire destroys your cabinets and belongings
- Your laptop is stolen during a break-in
- A guest slips and sues for medical bills
- A pipe bursts and you’re forced to stay in a hotel
- Your bike is stolen while locked outside
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Add-On Coverage Options
Depending on your needs, you can customize your policy with:
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Replacement Cost Coverage (pays full cost to replace items)
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High-Value Item Riders (for jewelry, art, instruments, etc.)
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Roommate Coverage (add an additional tenant to your policy)
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Pet Liability (if your dog bites someone)
What Renters Say
“When our upstairs neighbor flooded our ceiling, renters insurance covered $6,000 in damage. I’m so glad I had it.”
— Diana M., Chicago, IL
“My landlord required it, but now I’d get it even if they didn’t. Easy to compare and buy.”
— Marcus R., Austin, TX
Common Questions About Renters Insurance
Renters Insurance is essential for protecting your personal belongings and providing liability coverage in case of unexpected events. Here are some common questions to help you understand its benefits.
Does renters insurance cover roommates?
Not by default. Most policies only cover the named insured. You can sometimes add a roommate as an additional insured.
What’s not covered by renters insurance?
Flood damage, earthquakes, and pest infestations are usually not included. You may need add-ons for certain risks.
Is renters insurance required by law?
No, but many landlords require proof of renters insurance before you can move in.
How It Works
- Enter Your ZIP Code
- Tell Us About Your Rental
- Compare Renters Insurance Quotes
- Choose Your Policy & Save
🎯 No calls. No commitment. Just accurate, personalized options.