Renters Insurance

Renters Insurance

Robust Renters 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.

Couple sitting in a newly rented apartment to illustrate the need for renters insurance.

Should I Get Renters Insurance?

You should get renters insurance if you rent an apartment, house, or condo because it protects your personal belongings from unexpected events like theft, fire, or water damage. Your landlord's insurance will cover the physical structure itself, but it won't safeguard you from loss. Without renters insurance, you'll have to pay out of pocket to repair or replace your personal items. If you rent an apartment, condo, house, etc., you need renters insurance.

Renters insurance requirements may differ by state. If you're wondering about renters insurance requirements in your state, visit our State-Specific Renters Insurance Guide to learn more about coverage options and regulations.

Get a renters insurance quote today and we'll show you how to easily and affordably protect what you care about.

What do renters insurance policies cover?

Renters insurance protects your property and liability.

Personal Property

Protects your belongings from many unexpected events. Personal property coverage may help pay to replace items like clothing, furniture, electronics, and appliances if they're stolen or damaged in a covered loss.

Renters insurance can help protect the things you rely on every day — and the cost to replace everything at once can add up quickly. A renters policy can offer peace of mind by helping cover many of the essentials you've brought into your home.

Example

Your apartment is burglarized and your laptop is stolen. Personal property coverage may help with the cost to replace it, up to your policy limits and deductible.

Liability

Helps protect you if you're found responsible for someone else's injuries or property damage. Liability coverage may help with medical bills, lost wages, or legal expenses if someone is hurt in your home due to a covered occurrence.

This coverage offers an added layer of protection for life's unpredictable moments — whether you're hosting friends or accidentally causing damage to someone else's property.

Example

A guest trips over a loose rug and gets hurt. Liability coverage may help with their medical or legal expenses, up to your policy limits.

Medical Payments

Medical payments coverage may help pay for minor injuries to people who don't live with you but get hurt in your home. This protection applies regardless of fault and is meant to help with small, unexpected incidents.

It's a simple way to help take care of guests when accidents happen — whether someone slips, bumps into furniture, or takes a misstep on the stairs.

Example

A visitor slips on a wet floor and sprains their wrist. Medical payments coverage may help with their doctor bills.

Loss of Use

Loss of use may help with additional living expenses if a covered loss makes your home unlivable during repairs. This could include costs above your usual expenses, such as temporary lodging and meals.

It's support for life's "now what?" moments — helping you stay comfortable and safe while your place is being repaired.

Example

A cooking fire damages your kitchen and you need to stay somewhere else for a few days. Loss of use coverage may help with hotel and dining expenses above what you normally spend.
See All Renters Insurance Coverages

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 your renters insurance policy that provide extra protection for certain items. Check out the additional types of coverage that may benefit you and other handy tips in 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. Checkout our personal property coverage for more information.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 zip code 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
Man carrying a baby in a carrier, highlighting bundle and save insurance option.

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 and sprinklers save lives and could save you money with a discount on renters insurance. Same goes for fire extinguishers.

Understanding Your Renters Insurance Policy

Renters Insurance FAQs

  • 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 the GEICO Mobile app.
  • 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.
  • What is typically not covered by renters insurance?
    Renters insurance typically doesn't cover damages to the physical structure of the building because it falls under the landlord's responsibility. It also doesn't cover high-value items like jewelry, art, or collectibles unless specifically added to the policy. Renters insurance will not cover a roommate's belongings. Damage from flooding or earthquakes is usually excluded but can be added with separate coverage.
  • Does renters insurance cover pets?
    Renters insurance doesn't cover injuries or illnesses sustained by your pet or damages your pet causes. However, it may provide liability coverage if your pet injures someone or damages their property. Always check your policy to understand specific pet-related exclusions.
  • What do I need for a renters insurance quote?
    To get a renters insurance quote, you'll need your name, date of birth, and a list of your personal belongings and their value. You'll also need to provide details about your rental property, including its size, location, and security features.
  • How much renters insurance coverage do I need?
    The amount of renters insurance coverage you need depends on the value of your personal belongings and your liability risks. Typically, coverage should be enough to replace your possessions in case of loss, like theft or fire. A common guideline is $30,000 to $50,000 for personal property, but higher amounts may be necessary for expensive items. For liability, coverage of at least $100,000 is recommended to protect against accidents or injuries.

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.