Independent Renters Insurance Brokerage
Renters Insurance: Compare Quotes Nationwide
Renters insurance covers your personal belongings, gives you liability protection, and pays for temporary housing if your apartment becomes uninhabitable. It's typically $10-25/month and your landlord may require it.
Get a Renters Insurance QuoteWhat Renters Insurance Covers
Renters insurance covers your belongings, your liability, and your extra living costs if your rental becomes unlivable. Your landlord's policy covers the building, not your things. It's one of the least expensive policies you can buy, commonly $10 to $25 a month, and adding it to your auto policy often earns a discount on both.
- Personal propertyFurniture, electronics, clothing and other belongings after fire, theft, smoke or a burst pipe.
- Personal liabilityPays if you're found responsible for someone's injury or damage to their property, including your landlord's.
- Loss of use / additional living expensesHotel and extra costs while your unit is being repaired after a covered loss.
- Medical payments to othersSmall medical bills for a guest hurt in your home, regardless of fault.
- Optional add-onsScheduled coverage for jewelry, cameras and other high-value items, plus replacement-cost coverage.
What Drives Your Renters Insurance Price
- How much personal property coverage you choose
- Replacement cost versus actual cash value
- Your deductible
- Your ZIP code and the building's construction
- Your claims history
- Discounts: bundling with auto is usually the biggest one
Each carrier weighs these factors differently, so the same person can get very different quotes. As an independent agency, Signature Insurance compares several carriers for you at once, and we can shop your policy again at renewal.
Renters Insurance FAQ
Does my landlord's insurance cover my stuff?
No. Their policy covers the building only — not your TV, laptop, clothes, or furniture. If there's a fire, theft, or burst pipe, you're on your own without renters insurance.
How much renters insurance do I need?
Add up the cost to replace everything you own — most people underestimate by 2-3×. $25,000-$50,000 of personal property + $300,000 of liability is a common starting point and usually costs under $20/month.
Is renters insurance required?
No state law requires it, but many landlords require it in the lease, often with a minimum liability limit.
Replacement cost or actual cash value?
Replacement cost pays what it costs to buy new items today. Actual cash value subtracts depreciation, so a five-year-old laptop pays out far less. Replacement cost usually adds only a little to the premium.
Does renters insurance cover my roommate?
Usually not, unless they are named on your policy. Each roommate typically needs their own.
Does it cover things stolen from my car?
Yes. Belongings stolen from your car are generally covered under renters insurance, not auto insurance, subject to your deductible.
Get a Renters Insurance Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.