Renters Insurance
Renters Insurance
Affordable Renters Insurance for Robust Protection
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.
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Continue Previous QuoteWhat is Renters Insurance?
Renters insurance is an affordable way to protect your personal belongings and offer financial security when the unexpected happens. While your landlord’s insurance covers the building, it doesn’t extend to your property or liability. With renters insurance, you gain coverage for your personal items, liability in case of injuries, and even unexpected living costs if your rental becomes uninhabitable due to a covered event. It’s a low-cost solution that provides peace of mind, ensuring your valuables, your home, and your finances are protected.
How Much is Renters Insurance?
How much you pay for renters insurance depends on the amount of coverage you choose and the deductibles you select. The good news is that renters insurance is generally affordable. Using our personal property calculator, you can customize your policy to fit your needs. For more details, check out our personal property coverage page. You can also create a virtual inventory list using our Personal Property Scanner in GEICO Mobile.
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.
Personalized Coverage for Renters
What Does Renters Insurance Cover?
A renters insurance policy provides low-cost coverage for you and your belongings for things like:
| Coverage Type | What It Means | Example Scenario |
|---|---|---|
| Fire & Smoke Damage | Helps pay to repair or replace your belongings if they’re damaged or destroyed by fire or smoke. | If a candle tips over and causes a fire in your apartment, your renters insurance may help cover the cost of repairs or replacing your furniture and other personal items. |
| Vandalism & Theft | Offers protection if someone breaks into your home and steals your belongings. You’ll be reimbursed to replace these items up to your policy's limits minus the deductible. | If your laptop is stolen from your apartment or your bike is swiped from your storage unit, your renters insurance could help pay to replace it. |
| Weather Impact | Covers certain types of damage to your belongings caused by covered weather events, like strong storms, wind, or hail. | If a severe storm shatters your windows and damages your furniture, your renters insurance may help cover repairs or replacement costs. |
| Water Damage | Helps pay to repair or replace your belongings if water damage occurs due to a covered event, like a burst pipe. This doesn’t typically cover flooding. | If a pipe bursts and damages your living room, ruins your couch and electronics, your policy may help cover the costs to fix or replace them. |
| Visitor Injuries (Liability) | Covers you if someone gets hurt in your rental and you’re legally responsible. It may help pay for medical expenses and legal fees, up to your policy limits. | If a guest trips over a rug in your apartment and breaks their arm, your renters insurance liability coverage could help pay for their medical bills. |
| Items Covered by Renters | Includes your personal property like electronics, furniture, clothes, and bikes. These are often covered, whether they’re at home or sometimes when you’re traveling. | Electronics, bicycles, furniture, and clothing are typically protected against theft or covered against damage, even when you’re on the go. If you have valuable jewelry, like engagement rings or diamond bracelets, you may want extra protection. GEICO can help with a separate jewelry insurance policy. |
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.
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 personalize 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.
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.
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Home Security Systems
If you are renting in a building with security staff or if you installed a burglar alarm on the property, you may qualify for another renters insurance 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.
Save Time Managing Your Renters Insurance Policy
GEICO Makes It Simple to Manage Your Renters Insurance Policy Online — Add Coverages, Make a Payment, or File a Claim Anytime.
Additional Renters Insurance 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
Understanding Your Renters Insurance Policy
Renters Insurance FAQs
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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 potential liability risks. In general, you’ll want enough coverage to replace your possessions in case of a covered loss, such as theft or fire. You may also want liability coverage that helps protect you financially if someone is injured in your rental unit or if you accidentally cause damage to someone else’s property. Use our personal property calculator to help estimate the right amount of coverage for your situation.
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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.