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.
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.
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.
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.
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.
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.
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.
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.
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.
Our Top Picks for 2026
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.
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.
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.
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.
