Renters Insurance
The landlord insures the walls. Everything inside them, and the liability for what happens inside them, is on you. The good news: this is one of the least expensive policies we place, and we shop it across 50+ carriers like everything else.
Get a Quote
What is renters insurance?
Renters insurance covers your belongings, your personal liability, and your hotel bill when a covered loss makes the unit unlivable. The landlord's policy covers the building itself and generally pays nothing toward what's inside your apartment. That part is on you.
What this policy is typically built to handle.
- Your belongings: furniture, electronics, clothing, whether damaged or stolen, at home or away from it
- Personal liability if a guest gets hurt in your place or you damage someone else's property
- Somewhere to stay: hotel and temporary housing when the unit is uninhabitable after a covered loss
- Medical payments for minor guest injuries, typically no fault required
- Belongings stolen outside the home, like a laptop taken from your car
Who usually carries it.
- Anyone renting an apartment, house, or condo with belongings worth replacing
- College students off campus, who often fall outside their parents' homeowners coverage
- Tenants whose lease requires proof of renters coverage
- Renters who host often and want the liability protection
- Anyone who couldn't rebuy a full apartment of belongings after a fire or theft
What it does not cover
- The building itself, which is the landlord's policy, not yours.
- Flood and rising water, which need a separate flood policy.
- Your roommate's belongings, unless they're named on the policy.
- Jewelry, watches, and other valuables above small built-in caps, unless scheduled separately.
- Damage from pests or gradual maintenance problems, which generally aren't covered.
- Exact terms vary by carrier and policy. Tell us about the expensive stuff up front and we'll build it in.
The fire next door
Picture a tenant on the third floor waking to the building's fire alarm. A kitchen fire started in the unit below, and while the sprinklers contained it, smoke poured through the ventilation and saturated her apartment. Clothes, mattress, couch, electronics: all heavy smoke damage. The building's fine, but her unit needs weeks of cleanup before she can live in it.
The landlord's policy handles the building and common areas and pays nothing toward her belongings. Her renters policy is what replaces the damaged property and covers the hotel and meals through weeks of cleanup. Her share is typically the deductible. Without the policy, she rebuys everything herself while rent keeps coming due.
Get a QuoteAn illustrative example, not a real claim. Every claim is decided by the insurance company under the terms of the actual policy.
What affects your cost.
No two households price the same. The only way to know your number is to quote it, and the quoting part is our job.
- Total value of the belongings covered
- Limits and deductible you select
- Location, including local crime and weather exposure
- Claims history
- Add-ons for valuables or identity theft
Questions we hear a lot.
Landlords typically want a stated liability limit, often $100K or $300K, with the property owner listed as an interested party so they get notified if the policy lapses. It's standard and easy to set up. Send us the lease requirement and we'll get the certificate to your landlord directly. You won't have to chase anyone.
Yes. Standard policies typically cap categories like jewelry, watches, firearms, and cash at a few thousand dollars per category, regardless of your overall limit. An engagement ring or camera rig above the cap should be scheduled separately, which usually costs little. Tell us about the expensive items up front and we build them in.
Replacement cost pays what it takes to buy new. Actual cash value deducts depreciation, which turns a three-year-old couch into a small check. The premium difference is usually minor, and replacement cost is the version worth having. It's what we quote by default.
Generally yes. Personal property coverage typically extends to belongings away from home, including theft from your car or losses while traveling, though off-premises limits can be a percentage of your total. If you regularly carry expensive gear around, tell us and we'll set the limits with that in mind.
Coverage that often pairs with this.
- Auto InsuranceLiability, injury coverage, and your vehicle. The coverage that earns its premium is uninsured motorist, and most policies skimp on it.
- Personal Umbrella InsuranceLiability limits above your home and auto policies. For the judgment that would otherwise reach your savings, your equity, your wages.
Get your Renters Insurance quote.
Tell us once. A licensed agent shops it across the 50+ insurance companies we work with and comes back with real options, not a form letter.
- Fill this out. It takes a few minutes, not an afternoon
- A licensed agent shops your file across the 50+ insurance companies we work with
- Quotes come back, on average, within 24 hours²
Disclosures
- Sinai Coverage LLC is an independent insurance agency, not an insurer. Coverage is provided by the insurance companies your policy is placed with. Headquartered in Sunny Isles Beach, Florida. Serving all 50 states.
- Average across recent quote requests. Complex risks and certain coverage lines can take longer.