Renters Insurance 

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Protecting you and your possessions

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

Whether you're a longtime renter or just starting out, covering what you own inside from loss or damage with renters insurance is one thing you don’t want to leave at the door.

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Safeguard your stuff and your personal liability 

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 can offer liability coverage fromclaims, 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 ourrenters insurance FAQ page. 

What does renters insurance cover?

If you rent your home or apartment, remember that your possessions are not typically protected by your landlord’s insurance coverage. Renters insurance can help cover the costs of damage to your possessions and help protect you from personal liability claims made against you.

Renters personal property coverage

Renters insurance can help cover the costs of damage to or loss of personal possessions at home or away from home caused by things like fire, lightning, windstorms, hail, explosions, smoke and vandalism. 

In the event that a claim is made against you or you’re sued, your renters personal liability insurance coverage can help to cover the associated legal costs and related damages 

Housing improvements

Renters may spend considerable time and money on alterations or improving their rental unit. Under a Travelers rental insurance 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

There are ways to save on your renters insurance while helping to protect your possessions from loss or damage. Travelers has coverage that can meet your needs and offers ways to save on your policy premium. Check out our renters insurance and get a quote* today.

Multi-policy discount 

You can save on car insurance when you also have a renters policy with Travelers. Additional savings on your renters insurance may be available if you have an umbrella, boat or personal articles floater policy with Travelers. 

Loss-free discount 

If you have not had a claim on your insurance for a specified time period, you may be eligible for a discount. 

Protective device discounts 

Travelers offers other ways to save on your renters insurance. You may be eligible for savings if the property you rent has these types of protective devices: 

  • Interior sprinkler systems. 

  • Home security systems, such as theft alarms. 

  • Smart or connected home technology, which can alert you to a fire or break-in. 

Renters insurance FAQs

Got questions? We have answers.

Explore common questions that are asked before, during or after purchasing renters insurance. 

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. 

  1. Then, decide if you want coverage to replace items 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. 

  1. 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 could be covered for the cost to replace the item with a deduction for depreciation (deductible also applies).

  1. 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, can 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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