To get renters insurance: estimate what your belongings are worth, decide on your coverage limits and deductible, compare quotes from at least three insurers, buy the policy with a start date on or before your move-in day, and send proof of coverage to your landlord. Many insurers let you do all of this online in under an hour.
What you’ll need
- Your rental’s address and move-in date
- Building details: type of building, sprinklers, smoke detectors, security features
- A rough value of your belongings
- Information about pets, especially dogs
- Any past insurance claims
- Your landlord’s name and address, if the lease requires listing them
Step 1: Estimate what your stuff is worth
Walk through each room and total what it would cost to replace everything new. This sets your personal property limit. Room-by-room checklist.
Step 2: Choose your coverage
| Choice | Common options | Tip |
|---|---|---|
| Personal property limit | Enough to replace everything you own | Round up, not down |
| Payout type | Replacement cost or actual cash value | Replacement cost is usually worth it |
| Liability limit | $100,000, $300,000 or $500,000 | Check your lease’s minimum |
| Deductible | $250, $500 or $1,000 | Pick one you could pay tomorrow |
| Add-ons | Jewelry, water backup, earthquake, flood (separate) | Only what your situation needs |
More detail: How much renters insurance do I need?
Step 3: Get at least three quotes
Quote the same coverage with each insurer so you’re comparing like with like. You can buy from:
- Insurers directly, online or by phone
- Independent agents, who compare several insurers for you
- Your auto insurer, often with a bundle discount
- Your landlord’s program, if offered. Compare it with outside quotes; it may cost more or cover less.
Step 4: Compare more than price
Check the declarations page or quote summary for limits, deductibles, replacement cost, special limits for valuables and any wind or hurricane deductible. Look up the insurer’s complaint record with your state insurance department.
Step 5: Buy and set the start date
Many insurers can start a policy the same day. Set the start date on or before your move-in date so your belongings are covered from day one, including while you move. Moving tips. Not sure about timing? See when to get renters insurance.
Step 6: Send proof to your landlord
If your lease requires it, send your declarations page and ask your insurer to add the landlord as an interested party. What landlords can ask for.
Step 7: Review every year
At renewal, update your coverage for new purchases, a new address or a new roommate, and compare prices again. If you switch insurers, cancel the old policy the right way so there’s no gap in coverage.
Renting for the first time? See renters insurance for your first apartment.
New to this? Start with What is renters insurance?
This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.