Renters Insurance Quote

A renters insurance policy is a group of coverages designed to help protect renters and their belongings against certain risks.

There are four different types of renters insurance coverage: personal property, liability, guest medical and additional living expenses.

A typical renters insurance policy includes four types of coverage that help protect you and your belongings after a covered loss.

• Personal property coverage helps pay to replace belongings you keep in your rented home if they are stolen or damaged in certain situations, such as a fire.
• Liability coverage can help prevent you from paying out of pocket if you are found legally responsible for another person's medical bills after they are injured in your home.
• Guest medical coverage helps pay for reasonable and necessary medical expenses, like the cost of X-rays or an ambulance, if a guest is injured at your place, even if you're not at fault.
• Additional living expense coverage may help pay for additional costs you incur, such as temporary housing, if your rented home is left uninhabitable by a covered risk, such as a fire.

Renters insurance helps pay to replace stolen belongings, up to the coverage limit stated in your policy. Reimbursement for stolen items may be based on their depreciated value or replacement cost, depending on what type of coverage you select. Certain valuables, such as expensive jewelry, may have more limited coverage under a standard renters insurance policy.

No. Your landlord's insurance covers the building structure, but generally, doesn't cover your personal belongings like your furniture, clothes and electronics. A renters policy will help you repair or replace your possessions if they're damaged by a covered peril (such as theft, fire, smoke and more).

These programs usually only cover damage to the rental property itself for specific perils. Generally, it doesn't cover your personal belongings like your furniture, clothes and electronics. These programs are a way for the property owners/managers to protect their assets, not yours.

An Allstate renters policy has an average monthly premium of $16*.

Even your smallest items, like your clothes, linens and cookware, could add up if you had to replace them all at once. Plus, renters insurance can help provide coverage if your belongings are stolen while they're away from your place, such as in a storage unit or your car.

Renters insurance can also provide liability coverage if, for example, you accidentally cause a kitchen fire and are financially responsible for repairs. Additional living expense coverage, which also comes with a standard renters policy, can help pay for increased living costs, such as hotel stays, if the home you rent is uninhabitable after a fire or other covered risk.

Beginning your claim as soon as possible can help speed up the process. You can quickly file a claim via Allstate's mobile app or by logging into My Account. Even if you don't have all the information, you can always provide us with additional details later.

Taking an inventory of your belongings before anything happens can be very useful in verifying what you have and what it's worth. To help you, you can download our free Allstate Home Inventory Guide. Plus, smartphone users can now simplify the process with Digital Locker in the Allstate mobile app.