Apartment & Rental Security
Renters Insurance Calculator
Estimate the cost to protect your furniture, electronics, and personal liability against theft, burst pipes, and building fires.
Tenant Coverage Estimator
Select your belongings valuation and liability limits below.
Estimated Renters Premium
$210 /year
Approx. $18 / month
Affordable Essential
Expected Range: $185 – $242
Key Factors Influencing Your Rate
- Personal belongings limit protects computers, furniture, and apparel.
- Replacement cost tier ensures no depreciation is subtracted after a fire or theft.
Actionable Ways to Lower Your Cost
- Bundling renters with car insurance frequently cuts your auto bill by $15–$25/mo.
- Deadbolts, smoke alarms, and gated access unlock community safety discounts.
Instant proof of insurance certificate for your landlord or leasing office
Why Landlord Policies Do NOT Cover Your Belongings
A common misconception among apartment tenants is that the landlord's building insurance protects their furniture and electronics. Your landlord's policy only covers the physical building structure. If an upstairs neighbor's washing machine floods your apartment or a kitchen fire destroys your clothes and laptop, you receive zero reimbursement without a personal renters policy.
What Renters Insurance Covers (HO-4)
- Personal Property: Clothes, computers, furniture, and bicycles—even if stolen out of your car while traveling.
- Personal Liability: Protects your wages and savings if someone slips and falls inside your rented unit.
- Loss of Use (Additional Living Expenses): Pays for hotel bills and restaurant meals if your apartment becomes uninhabitable after a covered fire or storm.