Renters insurance quotes — protect your stuff for a few dollars a month
Renters insurance protects your belongings, covers you if you’re responsible for an injury or damage, and pays for a place to stay if your rental becomes unlivable — usually for just $12–$25 a month. Your landlord’s policy won’t do any of that. Dean Insurance lines up quotes from top-rated U.S. carriers and connects you with licensed agents — one short form, no obligation.
Your landlord’s insurance covers the building — not your stuff or your liability. If there’s a fire, a theft, or someone’s hurt in your unit, your landlord’s policy does nothing for you. Renters insurance protects your belongings and you, often for the price of a couple of coffees a month.
What renters insurance covers
For a few dollars a month, a renters policy protects four things — your belongings, your liability, your living costs, and your guests.
Furniture, electronics, clothes, and more — covered against theft, fire, vandalism, and more, whether they’re home or with you.
If you accidentally injure someone, your dog bites a guest, or you damage the unit, liability covers the claim and your legal costs.
Hotel bills and extra costs if your rental becomes uninhabitable after a covered loss like a fire.
Small, no-fault medical costs if a visitor is injured in your home, regardless of who’s at fault.
The best part: your belongings are covered almost anywhere — even items stolen from your car or lost while you’re traveling. You can add scheduled coverage for valuables and choose replacement cost so you’re paid what it takes to buy new.
What renters insurance does not cover
A renters policy covers you and your things — not the building or every risk. Here’s what falls outside it.
Flooding from storms or rising water isn’t covered — a separate flood policy protects your belongings from it.
Quake damage is also excluded and needs its own policy or endorsement.
Your vehicle itself is covered by auto insurance (though items stolen from it fall under renters) — and bundling the two saves money.
A policy covers the people named on it — your roommate needs their own renters policy for their things.
High-value items exceed standard sub-limits — scheduled coverage insures them for their full worth.
Once you own instead of rent, you’ll move to homeowners insurance to cover the structure too.
How it works
Three simple steps to compare renters insurance and get covered today.
Tell us about your place
Share where you live, roughly what your belongings are worth, and the liability you want. It takes about two minutes.
Compare your options
We line up renters quotes from top-rated carriers and licensed agents — coverage, limits, and price, side by side.
Get covered in minutes
Pick a policy, often for the price of a couple of coffees, and get proof of coverage for your landlord right away.
Renters insurance for every kind of renter
Whatever and however you rent, there’s an affordable policy for it. We match you with carriers that fit your situation.
The classic case — protect your belongings and liability in your unit and beyond.
Dorm and off-campus belongings, often at student-friendly prices.
Each renter needs their own policy — we make covering your share simple.
Liability coverage can help if your pet injures someone or damages property.
New to renting and need an easy, affordable policy your landlord will accept.
Many leases require coverage with a minimum liability limit — we’ll get you compliant fast.
Pair renters with auto for a discount that can offset much of the renters premium.
Renting a house or condo? You still need coverage for your belongings and liability.
Why Dean Insurance for renters insurance
An independent marketplace built to make protecting your stuff simple and cheap — compare once, get covered.
How much does renters insurance cost in 2026?
Renters insurance is one of the best deals in insurance. Your premium depends mostly on how much personal property and liability coverage you choose, your location, your deductible, and whether you pick replacement cost. Most renters pay just $12–$25 a month. The figures below are illustrative averages, not quotes.
| Coverage level | Typical monthly cost | Notes |
|---|---|---|
| Basic ($15K belongings) | $10 – $15 | Lower property, $100K liability |
| Standard ($25–30K belongings) | $12 – $25 | The typical renter |
| Higher ($50K belongings) | $20 – $35 | More stuff to protect |
| Replacement cost + valuables | $25 – $40 | New-for-old payouts, scheduled items |
| Higher-cost city / more liability | $25 – $45 | Pricier areas, larger limits |
💡 Tip: Covering $25,000 of belongings with $100,000 of liability often runs around $15–$18 a month — about the price of a couple of coffees. Bundling with auto can offset much of that, and choosing replacement cost over actual cash value is usually worth the small extra so you’re paid what it costs to buy new.
A plain-English guide to renters insurance
What is renters insurance?
Renters insurance is a low-cost policy that protects your belongings and your finances while you rent. It pays to replace your things after a covered event like theft or fire, covers you if you’re responsible for someone’s injury or for damage, and pays for somewhere to stay if your rental becomes unlivable. For most renters it costs less than a streaming subscription, which makes it one of the highest-value policies you can buy.
What does it actually cover?
- ✓Personal property — your belongings against theft, fire, and other covered perils.
- ✓Personal liability — injuries or damage you’re responsible for, including to the unit.
- ✓Additional living expenses — temporary housing if your place is uninhabitable.
- ✓Medical payments — small costs for guests injured in your home.
Your landlord’s insurance vs. yours
This is the misunderstanding that leaves most renters uninsured. Your landlord’s policy covers the building, not your belongings or your liability. If a fire destroys your furniture, your laptop is stolen, or a guest is injured in your unit, the landlord’s insurance does nothing for you — those losses are yours. Renters insurance exists precisely to fill that gap, and for a few dollars a month it’s hard to justify going without.
Your belongings are covered almost anywhere
A renters policy doesn’t just protect your stuff inside the apartment. Off-premises coverage follows your belongings out into the world — a laptop stolen from your car, a phone lost while traveling, gear taken from a hotel room are typically covered too (up to your limits). It’s a feature many renters don’t realize they’re paying for until they need it.
Replacement cost vs. actual cash value
When your things are damaged or stolen, how you’re paid matters. Replacement cost pays what it costs to buy new equivalents today; actual cash value pays that minus depreciation, so a three-year-old laptop returns far less than a new one. Replacement cost adds only a little to your premium and is almost always worth it.
Is it required?
No law requires renters insurance, but many landlords now require it in the lease, often with a minimum liability limit such as $100,000. Even when it isn’t required, the math is compelling: a policy that costs $15 a month can cover thousands of dollars of belongings and protect you from a liability claim that could otherwise follow you for years.
How cheap it is — and bundling
Renters insurance is inexpensive on its own, and it gets cheaper alongside your car policy: bundling renters with auto often earns a discount that offsets much of the renters premium. If you already have or are shopping for car insurance, quoting them together is the easiest way to get both for less.
How is the price determined?
Carriers weigh the amount of personal property and liability coverage you choose, your location, your deductible, whether you select replacement cost, your claims history, and your credit where allowed. Because renters policies are simple and inexpensive, the differences between carriers are small in dollars — but comparing still ensures you get the right coverage at the best price.
How Dean Insurance helps
We’re an independent marketplace, so we shop multiple carriers instead of selling one company’s products. You answer a few questions once; we match you with the carriers and licensed agents best suited to your situation and budget. The agents and carriers you connect with are licensed and authorized to sell in your state — they handle the policy and your proof of coverage. Using Dean Insurance is free; we’re paid by our partners only when you choose a policy, and your information is never sold to unrelated third parties. See our Privacy Policy for details.
What renters say
People who compared renters insurance and got covered with Dean Insurance.
“My apartment was broken into and my laptop and bike were gone. For $14 a month, renters insurance replaced both — easily the best money I’ve ever spent.”— [PLACEHOLDER] Jordan J., renter, Philadelphia, PA
“My lease required renters insurance and I thought it’d be a hassle. I compared here and had a policy and certificate in under ten minutes.”— [PLACEHOLDER] Mei L., renter, San Diego, CA
“Bundled it with my car insurance and the discount basically paid for the renters policy. No reason not to have it.”— [PLACEHOLDER] Devon W., renter, Columbus, OH
Renters insurance FAQs
The answers renters ask for most.
What does renters insurance cover?
It covers your belongings against theft and covered perils, your personal liability if you injure someone or cause damage, your living expenses if your rental becomes unlivable, and small medical payments for injured guests — usually for $12–$25 a month.
Do I really need renters insurance?
For a few dollars a month, it protects thousands of dollars of belongings and shields you from liability claims. Since your landlord’s policy covers none of that, and many leases now require it, it’s one of the easiest insurance decisions to make.
Does my landlord’s insurance cover my belongings?
No. Your landlord’s insurance covers the building, not your stuff or your liability. If your things are stolen or damaged, or someone’s hurt in your unit, that’s on you — which is exactly what renters insurance is for.
How much does renters insurance cost?
Most renters pay just $12–$25 per month. Your price depends on how much coverage you choose, your location, and your deductible. Bundling with auto can offset much of the cost.
Is renters insurance required?
Not by law, but many landlords require it in the lease, often with a minimum liability limit like $100,000. Even when it isn’t required, the low cost makes it well worth carrying.
Does it cover my stuff outside my apartment?
Yes. Off-premises coverage follows your belongings — items stolen from your car, lost while traveling, or taken from a hotel are typically covered, up to your limits.
Does renters insurance cover my roommate?
Only the people named on the policy. A roommate who isn’t listed needs their own renters policy for their belongings and liability — it’s inexpensive enough that each renter having their own is easy.
Does it cover floods?
No. Flood damage isn’t covered by a standard renters policy and needs separate flood coverage. We can add it where you need protection for your belongings against flooding.
Protect your stuff for a few dollars a month
Compare renters insurance quotes from top-rated carriers in minutes. Free, no obligation, and matched to your place — get covered today and bundle with auto to save.
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