Renters.com is transforming the way insurance is purchased and managed, by deploying state of the art technology and a focus on transparency and ease for the consumer, we’re creating an insurance experience that is quick and easy, and most importantly,  not annoying.

We donate 5% of our earnings to help with homelessness. We rotate organizations every 6 months, and always publish who we are raising money for and our past contributions.

Renters.com offers Renters Insurance in all 50 states, through multiple underwriters.

You can call the number posted on our home page website or feel free to send us an email through our contact us email, and we will get back in touch with you right away.

You will see a summary of your coverage at the time of issuance.  You can also edit your coverage and customize  your policy with various options and coverage limits to fit your needs.

Premiums are calculated on a number of different variables including but not limited to credit history, location, previous claims, coverage limits, age, size of home, elements of protection, and amount of stuff and valuables being insured.

 Absolutely! We have various options and cover limits designed to fit a wide range of renters needs.

You can cancel your policy at anytime. You will receive a refund for the remaining period you’ve paid for. And if you ever want to come back to Renters.com, no problem, we will be happy to create a new policy for you.

Definitely. We will simply email your provider and notify them of your new policy.

You may pay your renter’s insurance by credit or debit card. All policies are set with reoccurring payments, so you don’t have to hassle with your payment each month, just once a year when it renews.

No. Renter’s Insurance only covers you and the property that you own, not other people you may live with.

Yes. All residents of your household who are related to you by marriage, blood, or adoption are covered. You can add their name to your policy when signing up at no extra cost.

Yes, you can add their name on to your policy at no additional cost.

Yes, landlords and property managers often require you to do this, which you can do at no additional cost, while signing up for your policy, or at anytime, as needed.

Our basic option only covers you at home, but we do have options to protect you and your things anywhere in the world.

If your dog bites someone you are covered, but there are two exceptions. You are not covered if your dog has a history of biting or if your dog is categorized as high-risk. Vicious breeds as defined by underwriting typically include Pit Bulls, Staffordshire Terriers, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies, and Wolf-hybrids.

Most likely, yes. Historically people with poor credit or a history of making claims are more likely to make claims in the future, therefore underwriters may factor this into premiums, as needed.

This is the amount that will be deducted from any claim payment you may receive. When you buy a policy, you can choose the deductible amount you’d like to have in case of a claim.

Absolutely. You can add extra coverage at any-time. This may apply to additional items you would like to add to your policy, or increasing coverage limits to a higher dollar amount.

Renters insurance does not cover damage while under the care of movers. Make sure to find out how your coverage works, as some default policies, which are not government the same as renters insurance, for example, may not include full value protection, which is an additional charge, and should be clarified prior to moving. Expensive valuables are subject to exclusions, while others may have a claim limit, often calculated by weight.

Most likely, yes. Historically people with poor credit or a history of making claims are more likely to make claims in the future, therefore underwriters may factor this into premiums, as needed.

Go to Renters.com and we will guide you through the process. You can find a link to our claims process on the home page.

Our goal is for most claims to be paid instantly, but there are cases where we’ll need to review it. If it’s not your first claim, our team will need extra time to manually review your claim.

Yes, you can submit photos, video or both, as part of the claims process, which helps to speed things up and increase transparency.

This is the amount that will be deducted from any claim payment you may receive. When you buy a policy, you can choose the deductible amount you’d like to have in case of a claim.

 Absolutely! We have various options and cover limits designed to fit a wide range of renters needs.

Absolutely. You can modify coverage limits and items protected, including things like fine art, jewelry, watches, and other personal property such as furniture, designer clothing, bikes, personal computers, personal electronics, and other stuff, at anytime.

Absolutely. You can add extra coverage at any-time. This may apply to additional items you would like to add to your policy, or increasing coverage limits to a higher dollar amount.

You may add as many items as you would like, so that you feel you are properly insured to safeguard the things you value most.

Our basic option only covers you at home, but we do have options to protect you and your things anywhere in the world.

If your dog bites someone you are covered, but there are two exceptions. You are not covered if your dog has a history of biting or if your dog is categorized as high-risk. Vicious breeds as defined by underwriting typically include Pit Bulls, Staffordshire Terriers, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies, and Wolf-hybrids.

Most likely, yes. Historically people with poor credit or a history of making claims are more likely to make claims in the future, therefore underwriters may factor this into premiums, as needed.

This is the amount that will be deducted from any claim payment you may receive. When you buy a policy, you can choose the deductible amount you’d like to have in case of a claim.

It is estimated that there are over 43 million households occupied by renters in the United States today. This number makes up roughly 40% of all households in America, leaving roughly 60% uninsured,  with the average cost of renters insurance at just under $200 a year. Prices do vary per state, based on location, coverage limits, and other numerous rental metrics.

No, you do not need it, but more often now, landlords and owners are requiring it prior to renting, both in long and short-term rentals.  For many renters, insurance can be valuable to protect against devastating financial consequences, and at an average cost of around $15.00 a month, it is a cheap way to protect your valuable property that is often worth, tens of thousands of dollars.

Despite what many renters believe, landlords, owners and management companies DO NOT cover their personal property or personal liability, such as a dog bite. Generally, property insurance only covers the building. Renters are solely responsible for insuring themselves against personal property damage, personal liability, or loss.

No matter how careful you think you are, renters are strongly encouraged to specifically protect themselves against liability. And liability coverage isn’t just for inside the home. Renters Insurance coverage can travel with you, as you travel.

Renters insurance only covers renters policy holder(s) and not roommates, so each roommate needs their own policy and coverage. You may consider listing your roommates as additionally insured on your renters insurance policy, which has the advantage of reducing the cost of your monthly insurance premium, , but comes with risks. Policy holders tarnish their claim history with each claim filed, including claims filed by anyone else listed on the policy, which can affect future costs of other lines of insurance.

Renters insurance does not typically cover bed bugs, but does cover dog bites. Most renters insurance policies do not cover flood and earthquake, but does cover renters for personal property and will cover the cost of housing and meals in the event the rental unit becomes unlivable. Renters insurance does not cover the dwelling itself, therefore leaks and water damage are only covered from a property damage perspective and not for the cost to repair the issue. As for appliances, renters insurance protects things like fire, theft, and vandalism, but not from routine maintenance and repair. You may also be able to file a claim for appliance damage due to a short-circuit delivers excess power to an appliance,  causing damage. Household appliances can also be a source of destruction, such as water damage, which is one good reason more and more property owners and managers are requiring renters to have renters insurance.

Yes, a renters insurance policy typically insures renters living in almost any type of structure, including a manufactured home, mobile home, RV, and tiny home.

No, but some students living in a dorm may still may be covered under a parent or guardian policy. Students renting outside of student housing should purchase a renters insurance policy, as this is typically not covered.

Nope, same coverage, but sometimes a bit different risk, and often cheaper, though there are different risk factors from renters in single family homes.

We think, absolutely. It can also cover you on both sides of the short-term rental process, as renters insurance covers you as a traveler, but may also cover you as a host. Some lease agreements do not permit  temporarily lease arrangements, while others due. Renters need to be aware of any local laws. Allowing a guest to stay in your apartment when it’s not allowed on your lease, or it’s prohibited in your city is grounds for potential denial of a claim.  Most renters insurance policies define occasional hosting as accommodating temporary guests 90 or fewer days per year. Hosting temporary guests more than 90 days per year generally qualifies as commercial activity, which is excluded from standard renters insurance policies, but varies per city and state. Endorsements may be added to an existing Renters Insurance policy to better protect renters during the process of home sharing.

Water and fire damage is a major concern, no matter how careful renters might be. Just think your upstairs neighbor overflows the bathtub, or leaves candles melting all night, to appliances left on, or frozen water pipes that eventually burst and cause massive damage to your things. The list of possible options is pretty long, but here are a few, fire and lightning, theft, water damage, acts of war, falling objects, snow and ice collapse, wind and hail, vandalism, mold and storage units, however water damage and flooding are two very different things. Water damage is caused by leaking water, or a burst pipe. This is covered. If the water damage is caused by waves, tsunami, or other natural water events, this would not be covered. There are a number of endorsements renters may add to their policy.

We donate 5% of our earnings to help with homelessness. We rotate organizations every 6 months, and always publish who we are raising money for and our past contributions.