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Renters / Tenant Insurance - Let us find your best coverage - affordable coverage for your belongings and liability
Your landlord's insurance covers the building, not your belongings or your liability – renters insurance does. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Renters / Tenant (HO-4) Quote Request
Applicant Information:
Have these handy
- Rental address and unit number
- Rough value of your belongings
- Landlord's insurance requirements
- Roommates' names
Related coverage
Coverage details
What Renters / Tenant coverage includes
Renters insurance covers your belongings and your personal liability, which your landlord's policy does not. It is one of the least expensive policies you can buy, and many landlords now require it as part of the lease. We compare carriers to find the right limits at the lowest price, and bundling with auto often makes it close to free.
- Personal property - Furniture, clothing and belongings, at home or away.
- Loss of use - Hotel and extra living costs while the home is repaired.
- Personal liability - Injuries to guests and damage you cause to others.
- Medical payments - Small injuries to guests, regardless of fault.
- Theft away from home - Belongings stolen from your car or while traveling.
- Replacement cost contents - Pays to buy new items rather than their depreciated value.
- Water backup - Damage to your belongings from a sewer or drain backup.
- Scheduled valuables - Higher limits for jewelry, cameras, bikes and collectibles.
Good to know: many landlords require renters insurance, and it usually costs less than $20 a month. Adding your landlord as an interested party sends them proof of coverage automatically.
Not covered: the building itself, flood and earthquake, and roommates' belongings unless they are named on the policy.
Insurance Application:
Renters / Tenant (HO-4)
Required forms
Renters / Tenant (HO-4) Supplemental Application (PDF)
Related supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Renters explained
How renters insurance works
Your landlord's insurance covers the building, not your belongings and not your liability. A renters policy fills that gap for a small monthly cost.
Personal property
Furniture, clothing, electronics and belongings at home, in your car or while traveling.
Loss of use
Hotel and extra living costs if a fire or other covered loss makes your unit unlivable.
Personal liability
Covers you if a guest is hurt or you accidentally damage someone else's property, including your landlord's.
Medical payments
Small medical bills for guests hurt in your home, regardless of fault.
How much coverage do you need? Walk through your home and add up what it would cost to replace everything: furniture, clothes, electronics, kitchen items and decor. Most people are surprised that it totals $20,000 to $50,000 or more. Choose replacement cost so claims pay for new items, not depreciated ones.
Common questions
What renters should know
Covered situations
- A kitchen fire damages your belongings
- Your laptop is stolen from your car or a coffee shop
- A burst pipe in the unit above soaks your furniture
- Your dog bites a visitor
- You accidentally start a fire that damages the building
Ways to save
- Bundle renters with your auto policy
- Choose a higher deductible
- Add a monitored alarm or smoke detectors
- Pay in full or go paperless
- Keep a home inventory with photos to speed up claims
Flood is not included. Renters can buy contents-only flood coverage through the NFIP or a private flood carrier, which is worth considering on a ground floor or basement unit.
More options
Coverage renters often add
Start with the renters application, then add anything that fits your situation.
Add-ons and related coverage
Personal Umbrella
Liability above your renters and auto limits.
Get a quote Supplemental application (PDF)Home-Based Business
Business equipment and liability if you work from home.
Get a quote Supplemental application (PDF)Private Passenger Auto
Bundle auto with renters to save on both.
Get a quote Supplemental application (PDF)Condominium Unit Owner (HO-6)
If you buy a condo, coverage for your unit.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.