Renters Insurance Quotes

Get Competitive Renters Insurance Quotes in Just Minutes!

InsuranceQuotes.com makes it a breeze to shop for renters insurance quotes in the comfort of your home or office—anytime, night or day! With the largest network of national and local insurance agents from the nation's top insurance companies, we offer helpful resources along with one simple application that allows you to receive and compare renters insurance quotes from multiple companies. And when you receive your free renters insurance quotes, InsuranceQuotes.com can help you choose the best insurer and the best policy for your unique needs.

Every day, InsuranceQuotes.com helps thousands of people just like you find quality coverage at a price that won’t break the bank. Get your free renters insurance quotes today—and discover opportunities to save big on renters insurance!

Why Do You Need Renters Insurance?

Many people who rent their homes think they don’t need renters insurance—isn’t that the landlord’s responsibility, after all? Actually, nothing could be further from the truth. Your landlord is obligated to carry insurance on the building you rent in order to protect his investment. But should a fire damage your rented dwelling, for example, your landlord’s insurance will not protect you against damage to your personal property, such as furniture, electronics, clothing, and other valuables.

That’s where renters insurance steps in. Whether the cause is fire, water or even lightning, renters insurance safeguards you against financial loss resulting from physical damage to your personal belongings. It also covers you if your possessions are stolen (even if they’re in your car). And if you are sued by a guest who is injured in your home, renters insurance may provide coverage for legal expenses.

Think your personal property isn’t worth the expense of insurance? Think again! Start by taking a thorough inventory of your possessions. List each item, when you acquired it, the price you paid, and what it would cost to replace it today. You may be surprised at just how much your belongings are worth. And considering that premiums run as low as $20 per month, can you afford not to carry renters insurance?

How to Shop Smart for Renters Insurance

If you’ve decided to buy renters insurance to protect yourself and your personal property, how do you go about selecting the right coverage and the best value for your circumstances? Start by learning what to look for in a renters insurance policy. Here are some important points to consider:

• Deductible – You can save money on premiums by choosing a policy with higher out-of-pocket deductibles, but make sure the deductibles you choose are realistic for your financial means.
• Actual Cash Value vs. Replacement Cost – If your policy stipulates actual cash value compensation for loss of personal property, the amount your insurer will pay for your loss is based on the amount you paid for the item, depreciated over the length of time you’ve owned it. Replacement cost coverage is pricier than actual cash value coverage, but it provides coverage based on the amount it will cost you to replace the item today.
• Discounts – Many insurers offer discounts to non-smokers or for multiple policies (such as renters and auto). Be sure to ask your insurance company about premium discounts that may be available to you.
• Other Tenants – If you will be sharing your home with a roommate or domestic partner, make sure you understand if and how that person will be covered under your renters insurance policy.