Best Renters
Insurance 2026

Make the best choice among the leading renters insurers in the United States!

Coverage, prices and availability vary by state. See our Important Notes >

1

Renters insurance that usually covers belongings at replacement cost and includes identity theft coverage. Discounts for teachers, nurses and more, with quotes online or through a local agent. Our top pick for 2026!

Replacement cost for belongings
Identity theft coverage included
Discounts for teachers & nurses
Scheduled property cover
AM Best A (Excellent)
Visit farmers.com →

Coverage and availability vary by state.

Rating – 9.6/10

★ ★ ★ ★ ★
2

Renters insurance from the largest US home insurer, online or through local agents. Replacement cost for belongings is generally included, with add-ons for valuables and identity theft.

Replacement cost included
Online or through a local agent
Bundle with State Farm auto
Extra coverage for valuables
No new customers in California
Visit statefarm.com →

Coverage and availability vary by state.

Rating – 9.7/10

★ ★ ★ ★ ★
3

Renters coverage in all 50 states, protecting more than 1.7 million renters. Buy online or through local agents, with options for replacement cost and identity theft restoration.

Available in all 50 states
1.7 million+ renter customers
Buy online or through an agent
Replacement cost upgrade
AM Best A+ (Superior)
Visit allstate.com →

Coverage and availability vary by state.

Rating – 9.0/10

★ ★ ★ ★ ★
4

Mutual insurer selling renters insurance directly in DC and every state except Alaska and Hawaii. Optional replacement cost and scheduled personal property cover. Rated A+ (Superior) by AM Best.

AM Best A+ (Superior)
Bundle discount with Amica auto
Replacement cost option
Scheduled property cover
Not sold in Alaska or Hawaii
Visit amica.com →

Coverage and availability vary by state.

Rating – 8.9/10

★ ★ ★ ★ ★
5

Renters insurance online, by phone and through agents in every state except California. Optional replacement cost and blanket jewelry coverage, plus discounts for buying online.

Buy online without an agent
Replacement cost add-on
Blanket jewelry coverage option
Autopay & online discounts
Not available in California
Visit website →

Coverage and availability vary by state.

Rating – 8.8/10

★ ★ ★ ★ ★
6

Renters insurance in 45 states and DC with optional replacement cost and valuables cover without appraisal. Discounts for bundling and alarms. Rated A++ (Superior) by AM Best.

AM Best A++ (Superior)
Replacement cost upgrade
Valuables cover, no appraisal
Bundle & claim-free discounts
No quotes in AK, FL, HI or LA
Visit travelers.com →

Coverage and availability vary by state.

Rating – 8.8/10

★ ★ ★ ★ ★
7

Renters insurance through independent agents in 12 states and Washington, DC. Belongings are covered at replacement cost as standard. Rated A (Excellent) by AM Best.

Replacement cost as standard
Via independent agents
12 states and Washington, D.C.
Scheduled property cover
AM Best A (Excellent)
Visit website →

Coverage and availability vary by state.

Rating – 8.8/10

★ ★ ★ ★ ★
8

Renters insurance in 46 states and DC. Brand New Belongings pays replacement cost for damaged or stolen items and Valuables Plus covers big-ticket items. Online quotes, bill pay and claims.

Brand New Belongings option
Valuables Plus option
Bundle with Nationwide auto
Online quotes and claims
Not in AK, HI, LA or OK
Visit nationwide.com →

Coverage and availability vary by state.

Rating – 8.6/10

★ ★ ★ ★ ★
9

Renters insurance in all 50 states and DC for military members, veterans and their families. Replacement cost is included and valuables cover has no deductible. Rated A++ (Superior) by AM Best.

Military, veterans & families
AM Best A++ (Superior)
All 50 states and D.C.
Valuables cover, no deductible
Bundle & security discounts
Visit usaa.com →

Coverage and availability vary by state.

Rating – 8.6/10

★ ★ ★ ★ ★
10

Renters insurance in all 50 states and DC, online, by phone and through agents, from Progressive Home or Homesite. Bundle with Progressive auto to save.

All 50 states and D.C.
Progressive Home or Homesite
Bundle with Progressive auto
Optional water backup coverage
Quotes online, by phone or agent
Visit progressive.com →

Coverage and availability vary by state.

Rating – 8.5/10

★ ★ ★ ★ ★

Our Top Picks for 2026

#2
9.7

Rating Verdict

Replacement cost is generally included and you can buy online or through a local agent, but State Farm does not sell renters policies to new customers in California.

Replacement cost included
Online or through a local agent
Bundle with State Farm auto
Visit statefarm.com
#1 - TOP PICK
9.6

Rating Verdict

Replacement cost and identity theft coverage are usually built in, with job-based and loyalty discounts. Not sold in ten states plus D.C., including Florida.

Replacement cost for belongings
Identity theft coverage included
Discounts for teachers & nurses
Visit farmers.com
#3
9.0

Rating Verdict

Online or agent purchase everywhere in the US, with replacement cost and scheduled personal property options. Replacement cost is an upgrade, not standard.

Available in all 50 states
1.7 million+ renter customers
Buy online or through an agent
Visit allstate.com

FAQ - Everything you need to know about renters insurance

What does renters insurance cover?

Most policies combine personal property coverage for your belongings, personal liability if you injure someone or damage their property, medical payments for guests, and additional living expenses if a covered loss forces you to move out temporarily.

Doesn't my landlord's insurance cover my things?

No. The landlord's policy covers the building, not your possessions or your personal liability, and it will not pay your living expenses while the building is repaired.

How much renters insurance do I need?

Add up the value of everything you own, ideally with a home inventory, and choose a personal property limit that would replace it all. Liability limits generally start around $100,000; check whether expensive items such as jewelry need extra coverage.

Should I choose replacement cost or actual cash value?

Actual cash value deducts depreciation, so older items pay out less. Replacement cost pays to buy new items, costs somewhat more and is included as standard by some insurers and offered as an add-on by others.

Are floods and earthquakes covered?

Generally not. Flood cover for belongings is available to renters through FEMA's National Flood Insurance Program, and earthquake coverage can be added with some insurers.

Does my policy cover my roommate?

Usually not. A roommate who is not related to you generally needs their own renters policy for their belongings.

Uncertain about your choice?

Based on financial strength, claims satisfaction, market presence and coverage options in the United States United States

Best choice for renters

Farmers Insurance
  • Replacement cost for belongings
  • Identity theft coverage included
  • Discounts for teachers & nurses
Visit farmers.com

Strong alternative

State Farm
  • Replacement cost included
  • Online or through a local agent
  • Bundle with State Farm auto
Visit statefarm.com

All companies listed are established US insurers. Coverage, prices and availability vary by state.