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Call it renters insurance or apartment insurance, it’s a policy that covers your property both inside and away from your apartment or condominium.
This insurance covers items you own inside your apartment or rental home, including electronics like televisions and computers, bicycles, furniture, and clothing. It might also cover items in your apartment's garage, on your deck or patio, and in your driveway.
Renters insurance coverage extends to personal property in your car, too. If your laptop is stolen from your car, it’s covered. If your bike is stolen while you’re at work, it’s covered.
If you rent an apartment from a landlord, they won’t be responsible for any damages to your personal property in the case of a break-in or burglary, a fire, flooding inside your home, or a weather emergency like a severe storm. Renters insurance covers it all for a low monthly premium.
Renters insurance may cover losses including:
Renters insurance may not cover:
See the full list of things renter insurance does and does not cover.
The average cost of renters insurance is quite affordable. Not only does the cost vary from company to company, but it also depends on the coverages and deductible you select.
Ready to get a renters insurance quote started? First, utilize our renters insurance quote checklist to make sure you have this information handy:
You may be eligible for discounts on your renters insurance. Own a car? Save money by combining the purchase of auto and renters insurance with State Farm®.
Take advantage of what we've learned through the years in Simple Insights.
A guide to renting an apartment to help you understand what you and your landlord are responsible for.
Tip to help choose accurate, appropriate limits for your personal property and liability coverage.
Taking care of your rental might allow for rent negotiations and more favorable terms of the lease.
1 This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. For further information, please see a State Farm Agent. ⤶
Actual annual premiums for Renters insurance will vary depending on coverages selected, amounts of coverage, deductibles, and other factors. This is only a general description of coverage and not a statement of contract. Coverage is subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.
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