Question 1

What does renters insurance cover?

Accepted Answer

Renters insurance covers your personal belongings (furniture, electronics, clothing) against theft, fire, water damage, and other covered perils. It also includes liability coverage if someone is injured in your rental and additional living expenses if your rental becomes uninhabitable.

Question 2

How much does renters insurance cost?

Accepted Answer

In 2023, the average U.S. renters policy cost $173 for a year of coverage (NAIC Homeowners Insurance Report, 2023 data). Your price depends on where you live, how much coverage you carry, and your deductible. Truvo compares quotes from multiple carriers to find you the lowest rate.

Question 3

Does my landlord's insurance cover my stuff?

Accepted Answer

No. Your landlord's insurance only covers the building structure, not your personal belongings. Without renters insurance, you'd have to pay out of pocket to replace everything if there's a fire, theft, or water damage.

Question 4

Does my landlord require renters insurance?

Accepted Answer

Many landlords and property management companies require renters insurance as a condition of your lease. Even if it's not required, it's one of the most affordable ways to protect your belongings and yourself from liability.

Question 5

How quickly can I get renters insurance?

Accepted Answer

You can get covered in minutes. Most renters insurance policies can be purchased online and take effect the same day, so you can meet lease requirements or protect your belongings right away.

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THE AVERAGE U.S. RENTERS POLICY COST $173 A YEAR IN 2023 (NAIC)

MEET LANDLORD REQUIREMENTS WITH INSTANT PROOF OF COVERAGE

PERSONAL PROPERTY + LIABILITY + ADDITIONAL LIVING EXPENSES — ALL COVERED

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