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Enter your ZIP code to compare renters insurance quotes and find affordable coverage for your belongings and liability protection.
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Enter your ZIP code to compare renters insurance quotes and find affordable coverage for your belongings and liability protection.
Getting renters insurance is quick and easy. Protect your belongings in just minutes.
Start by entering your ZIP code above. We'll find the top renters insurance providers available in your area with the best rates.
Share basic details about your rental—apartment or house, estimated value of belongings, and coverage preferences. It takes just a few minutes.
Review personalized quotes side-by-side from multiple providers. Choose the coverage that fits your needs and budget.
Many renters assume their landlord's insurance covers their belongings—it doesn't. Your landlord's policy only protects the building, not your personal property inside.
Renters insurance protects your furniture, electronics, clothing, and other belongings from theft, fire, and other covered events. It also provides liability coverage if someone gets injured in your rental or if you accidentally damage someone else's property.
The best part? Renters insurance is surprisingly affordable, often costing less than $20 per month. With Credit Haven, comparing quotes is fast, free, and easy.
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There are several ways to get renters insurance. Here's how they compare.
Platforms like Credit Haven let you compare multiple quotes at once, saving time and helping you find the best deal without the hassle.
Best for: Speed & SavingsMany insurers offer quick online quotes directly. Great if you already know which company you want, but you'll miss out on easy comparisons.
Best for: Brand LoyaltyIf you have auto insurance, adding renters coverage from the same company often unlocks multi-policy discounts of 5-15%.
Best for: Existing PolicyholdersReal feedback from renters who found coverage through Credit Haven.
"I always thought renters insurance was expensive and complicated. Credit Haven showed me I could get great coverage for just $14 a month. The whole process took about 5 minutes."
"My landlord required renters insurance, so I needed it fast. Found a policy that same day and it was way cheaper than I expected. Wish I'd done this sooner!"
"After my neighbor's apartment flooded into mine, I was so glad I had renters insurance. It covered all my damaged furniture and electronics. Don't wait until something happens."
Have this information handy to get the most accurate quotes.
Your rental's full address helps insurers assess location-based factors like crime rates.
An estimate of your personal property's total value (furniture, electronics, clothing, etc.).
Whether you rent an apartment, house, condo, or townhouse, and the floor you live on.
Details about anyone else who should be covered under the policy.
Most insurers offer 5-15% discounts when you bundle renters and auto insurance. It's the easiest way to save and simplifies managing your policies.
Raising your deductible from $250 to $500 or $1,000 can lower your premium significantly. Since renters insurance is already affordable, the savings can be meaningful.
Take inventory of what you actually own. Many renters overestimate their belongings' value, paying for more coverage than needed. Be realistic about replacement costs.
Insurers offer discounts for smoke detectors, security systems, sprinklers, gated communities, paying annually, and being claims-free. Always ask what discounts apply to you.
Replacement cost coverage pays to replace items at today's prices, while actual cash value pays depreciated value. Replacement cost costs a bit more but provides better protection.
A renters insurance policy includes several types of protection. Here's what each covers.
What it covers: Your belongings—furniture, electronics, clothing, appliances, and more—if they're damaged, destroyed, or stolen due to covered events like fire, theft, or vandalism.
How much you need: Do a quick inventory of your belongings. Most renters need $20,000-$50,000 in personal property coverage.
What it covers: Legal and medical expenses if someone is injured in your rental or if you accidentally damage someone else's property. Also covers your legal defense if you're sued.
Recommended amount: At least $100,000, though $300,000 provides better protection for minimal extra cost.
What it covers: Medical expenses for guests injured in your rental, regardless of fault. This is separate from liability and doesn't require a lawsuit.
Typical limit: $1,000 to $5,000 per person. Covers minor injuries like a guest tripping and needing stitches.
What it covers: Hotel bills, restaurant meals, and other living expenses if your rental becomes uninhabitable due to a covered event like fire or major water damage.
How it works: Pays the difference between your normal expenses and what you spend while displaced.
Renters insurance has some important exclusions. Know what's not covered.
Flood damage requires a separate flood insurance policy. Standard renters insurance won't cover it.
Earthquake damage requires a separate policy or endorsement, especially in seismically active areas.
Items stolen from your car may be covered, but damage to the car itself requires auto insurance.
Certain dog breeds may be excluded from liability coverage. Check your policy's pet restrictions.
Your policy typically only covers your belongings. Roommates need their own policy or to be added to yours.
Jewelry, art, and collectibles have coverage limits. You may need scheduled personal property coverage.
Credit Haven partners with leading insurers to bring you competitive options.
Often the cheapest option with average premiums around $15/month. Extensive agent network and easy bundling with auto insurance.
Competitive rates with a streamlined digital experience. Great multi-policy discounts if you already have GEICO auto insurance.
Offers identity theft protection and electronic data recovery as standard. Good for renters who want comprehensive coverage.
Strong bundling discounts and brand new belongings coverage. Good option for renters with existing Nationwide policies.
Offers cyber coverage for identity theft and includes coverage for spoiled food. Known for responsive claims handling.
Top-rated for customer satisfaction with competitive rates. Available exclusively to military members, veterans, and their families.
Several factors affect how much you'll pay. Understanding them can help you save.
Where you live is the biggest factor. Areas with higher crime rates, weather risks, or expensive cost of living typically have higher premiums.
Higher coverage limits mean higher premiums. Choose coverage that matches your belongings' actual value—don't over-insure or under-insure.
A higher deductible means a lower premium. Since renters claims are relatively rare, choosing a $500 or $1,000 deductible often makes sense.
Previous insurance claims can increase your rate. Maintaining a claims-free history helps keep premiums low.
In most states, insurers use credit-based insurance scores. Better credit typically means lower rates, though some states don't allow this practice.
Living in a building with sprinklers, smoke detectors, security systems, or a doorman can qualify you for discounts.
Renters insurance is one of the most affordable types of coverage. Here's what renters typically pay.
The national average for renters insurance is approximately $18 per month or about $216 per year for a policy with $30,000 in personal property coverage. Many renters pay even less—rates start as low as $10-15/month in some areas.
*Rates shown are approximate averages for $30,000 personal property coverage. Your actual rate may vary.
The average renters insurance policy costs about $15-20 per month, or $180-240 per year. Rates vary by location, coverage amount, and deductible. Many renters can find policies for under $15/month.
No. Your landlord's insurance only covers the building structure, not your personal belongings. If there's a fire, theft, or water damage, you'd need renters insurance to cover your furniture, electronics, clothing, and other items.
While not required by law, many landlords require tenants to have renters insurance as part of the lease agreement. Even if it's not required, it's highly recommended given the low cost and valuable protection it provides.
Actual cash value pays the depreciated value of items (what they're worth today), while replacement cost pays what it costs to buy new items of similar quality. Replacement cost coverage is worth the slightly higher premium.
Typically, no. Most renters policies only cover the named insured and their belongings. Roommates usually need their own policies, unless they're specifically added to yours (some insurers allow this).
Yes, in most cases. Renters insurance typically covers your personal belongings anywhere in the world, including items stolen from your car. However, the car itself would need auto insurance.
Yes, comparing renters insurance quotes through Credit Haven is 100% free with no obligation. We help you see your options so you can find the best coverage for your needs.
