Renters Insurance

Renters Insurance

Robust protection at an Affordable Rate

Get your renters insurance quote today, and ensure your stuff is protected for a low cost. We're happy to help you get the coverage you deserve.

Get a quick renters insurance quote

Already have a quote? Continue with a previous quote

Continue Previous Quote

What is renters insurance?

Renters insurance helps protect you and your belongings if the unexpected happens. A landlord's insurance policy covers the building, but not your personal things. If you rent an apartment, condo, house, etc., you need renters insurance. Get a renters insurance quote today and we'll show you how to easily and affordably protect what you care about.

Personalized Coverage for Renters

What type of damage does renters insurance cover?

A renters insurance policy provides low-cost coverage for you and your belongings for things like:

Fire & Smoke Damage

fire and smoke damage

Vandalism & Theft

vandalism and theft

Weather Impact


Water Damage

water damage

Visitor Injuries

visitor injuries

Items Covered By Renters

items covered by renters insurance

If you are a renter and have a jewelry collection of items like engagement rings, wedding bands, diamond bracelets, etc., you may also need special coverage for these along with your renters insurance policy. If that's you, we can help you with a jewelry insurance policy for those valuables.

Save Time Managing Your Renters Insurance Policy

GEICO makes it easy to add coverages, make a payment, or file a renters insurance claim.

Additional Coverage

Endorsements are "add-ons" to an insurance policy, providing extra protection for certain items. Check out the additional types of coverage that may benefit you and other handy tips on our Renters Resource Guide.

Policy Service and Claims

You can login to your policy directly , or contact the GEICO Insurance Agency partner for help with:

  • Payments
  • Policy changes
  • Additional policy info

Renters Insurance Discounts and Savings

How much is renters insurance?

How much you pay for renters insurance depends on how much coverage you choose to buy and what deductibles you select. The good news is a renters insurance policy can cost as little as $12 per month! Using our personal property calculator, you can customize your renters insurance policy to fit your needs. You can also create a virtual inventory list using our Personal Property Scanner in GEICO Mobile. Then, check out how much you can save on rental insurance with discounts! Our suggestions below may help you find the most affordable insurance for apartments, houses, and wherever you may live. Use our zipcode tracker to calculate your renters insurance quotes.

Bundling renters and auto insurance

See how much you could save when you bundle renters insurance with your GEICO Auto Insurance policy. Check out our Multi-Policy Discount page for all the ways you could bundle and save.

Start Saving

Home Security Systems

If you live in a building with security staff or if you installed a burglar alarm on the property, your wallet could feel more secure with another discount.

Sprinklers or Smoke Alarms

Whether you rent an apartment, condominium, or house, smoke alarms save lives and could save you money with a discount on renters insurance. Same goes for fire extinguishers.

Renters Insurance

Frequently Asked Questions

  • How can I estimate the value of my personal property for renters insurance?
    Our Personal Property Insurance Calculator helps you determine how much rental coverage fits your situation.
  • How do I create an inventory after getting renters insurance?
    Check out our tips on making an inventory of your personal items, along with answers to other renters insurance FAQs, or you can create a virtual inventory list using our Personal Property Scanner in GEICO Mobile.
  • Is there anything specific I should know about renters insurance in my state?
    Some states have specific renter insurance coverage requirements and discount options. You can learn more about these requirements on our state pages.
  • How do I make a payment on my renters insurance policy?
    Making a payment on your renters insurance policy is easy. We can help with payments and other ways to manage your policy online.
  • Does a college student need renters insurance for their apartment?
    Most property owners require renters insurance. Check out more info in our renters FAQ page.
  • Is there a GEICO Local Agent near me?
    We have many GEICO Local Agents across the country ready to help you with your insurance needs. Find a local agent near you.
  • How are landlord and renters insurance different?
    Landlord insurance primarily protects property owners, covering the building's structure and potential loss of rental income, but it doesn't include tenants' personal belongings. Renters insurance is designed for tenants to safeguard their possessions, provide liability coverage, and assist with living expenses if the rental becomes uninhabitable. In essence, landlord insurance protects the person who owns the home while renters insurance protects the person who rents the homes and personal belongings.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Renters coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.

The information you provide will be shared with our business partners so that they can return a quote.