Do landlords require renters insurance?

Many leases require it even though state law does not. At roughly the cost of a streaming subscription, it protects tens of thousands in belongings and liability exposure.

Can I get covered the same day?

Yes. Assurant allows quote, payment, and policy issuance in one online session. Your documents are available as soon as payment clears.

Doesn't the landlord's insurance cover my stuff?

No. Their policy insures the structure and their liability — not your TV, bike, or guest injury claims inside your unit. You need a separate HO-4 renters policy.

How much personal property limit should I buy?

Add up furniture, electronics, and clothing — many renters land between $20,000 and $40,000. Match liability to your assets; $100,000 minimum is a sensible floor.

Can renters and auto be bundled?

When the same carrier writes both lines, a multi-policy discount often applies. Compare bundled and separate pricing before you decide.

Do roommates share one policy?

Some carriers allow named roommates; others require separate policies. Each person's property should be insured — we can help sort the right setup.

Renters Insurance

Renters insurance you can quote, pay, and download in minutes.

Protect your belongings and liability online through our Assurant partnership — clear pricing, instant proof when you are ready.

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Renters insurance basics

Renters insurance protects what you own inside a leased home or apartment. The landlord insures the building; you insure your belongings, your liability, and the extra costs if a covered loss forces you out temporarily.

Personal property

Furniture, electronics, clothes, and gear — replaced or repaired after covered theft, fire, or similar perils.

Liability

Legal defense and settlements if a guest is injured in your unit or you accidentally damage someone else's property.

Loss of use

Hotel and meal help when a covered claim keeps you from living in the rental.

What renters insurance covers

What renters policies exclude

The building structure — your landlord's policy handles that
Flood from outside the unit
Earthquake — separate policy or endorsement required
Normal wear on your belongings
Intentional damage
Bed bugs and some other pest infestations

Typical renters insurance cost

Most tenants pay roughly $15–$35 per month — about $180–$420 per year — depending on ZIP code, limits, deductible, and discounts. Through Assurant you see the actual premium before you pay, not a rough estimate.

Ways to lower your premium

•Multi-policy — Add auto with the same carrier when available
•Safety features — Smoke alarms, deadbolts, and monitored security
•Claims-free — No recent renters or home claims
•Paid-in-full — Pay the annual term upfront when the carrier offers it

Why Local Life Agents for renters insurance?

Quote and bind online

Assurant powers real-time pricing and instant policy documents — finish in one sitting when you are ready.

Agent backup

Questions about roommates, sub-limits, or liability? A licensed agent can clarify before you pay.

No lead resale

Your information stays with us for coverage — we do not sell your quote details to lead vendors.

Getting renters coverage

Enter your rental address

Open the quote tool, add your address and basic details, and see Assurant rates in real time — not a ballpark range.

Choose limits and pay

Set personal property and liability limits, pick a deductible, and pay the first premium inside the same flow.

Download your policy

Proof of insurance arrives immediately. Send it to your landlord and keep a copy for your records.

Renters insurance questions

See your renters price in minutes

Quote, pay, and download proof online through our Assurant partnership — no phone tag.

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