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Renters Insurance

  • OVERVIEW
  • WHAT'S COVERED
  • WAYS TO SAVE
  • FAQ

If you rent a home or apartment, be sure to protect yourself from loss of or damage to your possessions with renters insurance.

Protecting You and Your Possessions with Renters Insurance

You can get a quote for a renters insurance policy online in just a few minutes or consider making a quick call to your Travelers representative to get things started. Renters insurance can help cover the loss of or damage to your possessions, additional living expenses if you have to leave your home due to a covered event, and may protect you from personal liability claims, too. Renters insurance can help protect you from the potentially devastating costs of losing the things you own, from the home or apartment that you don’t. Get answers to your frequently asked renters insurance questions like, "How much renters insurance do I need?" on our renters insurance FAQ page.

What's Covered by a Renters Insurance Policy

While your landlord’s insurance likely covers the physical dwelling where you live, it can be up to you to protect your personal property, such as your clothes, electronics and furniture. In addition, renters may spend considerable time and money on alterations or improving their rental unit. Under a renters policy, you may apply up to 10% of your personal property coverage to repair or replace improvements made by you or acquired at your expense if damaged by a covered loss. Higher amounts of coverage are available.

Ways to Save on Your Renters Insurance

When you purchase multiple policies or have a home security system, you may be able to save money on your renters insurance policy. You can also opt for a higher deductible policy. By doing so, you may have to pay more upfront before your insurance policy pays a claim if your covered possessions are lost, damaged or stolen. But typically, choosing a higher deductible means your monthly premiums will be lower.

How to Shop for Renters Insurance

  1. A good first step in shopping for renters insurance is to determine the value of your possessions. Take an inventory of the items you own that are in your home or apartment. When possible, include a brand name and serial number for each item, along with what you paid. This will give you a good starting point to understand how much coverage you will need.
  2. Then, decide if you want coverage to replace items at current market value or their actual cash value. Choosing replacement value may cost you a bit more in premium payments but in the event of a covered loss, you’ll be able to cover the cost to replace your items with comparable new ones.
  3. Choosing actual cash value means you’re covered for the lost item’s current value. For example, if your four-year old television is lost in a fire, you’re covered for what it would cost to buy another four-year old television rather than what it would cost to replace it with a new one.
  4. If you have some high-end possessions, buying a replacement value policy may be the best decision. This type of policy, while more expensive than an actual cash value policy, would pay you the current market value to replace covered lost or damaged possessions.

Contact your local independent agent or a Travelers representative to get a renters insurance quote for your apartment or home.

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Tools & Resources

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How Does Renters Insurance Work?

Get to know the difference between homeowners and renters insurance coverages.

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Does Renters Insurance Cover Theft?

When it comes to protecting your belongings, as a renter, you may think you’re fully covered if you have renters insurance. Read on to find out in what ways your belongings may not be covered for theft.

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Why You Need a Renters Insurance Policy

Choosing insurance can be daunting, especially for renters who don’t know that they need to protect their personal property. What is renters insurance and why do you need it?

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  • WHAT'S COVERED
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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority # 6519; Travelers Property Casualty Insurance Company, Certificate of Authority # 6521. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. Boat and Yacht Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut and are located at One Tower Square, Hartford, CT 06183. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. Underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.