Back to top

Affordable renters protection starts here.

Get a quote

Renters Insurance

How much is renters insurance?

Allstate® renters insurance is not only reliable, but it's also affordable and can cost you less than you think.

An Allstate renters policy has an average monthly premium of about $161. If you also insure your car with Allstate you may be able to pay as little as $4* a month.

Not only does renters insurance cover your belongings, it also typically includes a few types of coverages such as family liability coverage, additional living expenses, and guest medical protection.

When you buy a renters insurance policy from Allstate, you'll gain the peace of mind that comes with knowing you have quality coverage from a brand you can trust.

Request a renters insurance quote from Allstate today.

Learn About Renters Insurance

lien icon

Coverages & Policies

Learn about the ways Allstate can help protect you as a renter.

See coverage
marketing alliance icon


Find out how you can save on renters insurance.

Start saving
claims icon


Get helpful information about filing a renters insurance claim with Allstate.

Get claims info

Popular bundle option


Bundling your auto and renters insurance with Allstate can save you money while protecting the things that matter most.

Auto + Renters Get a bundled quote

Not quite ready? Learn more about bundling.

What Does Renters Insurance Cover?

Renters insurance, also known as tenant insurance, protects you and your stuff.

  • Covers electronics, clothes, bikes and more
  • Protects against theft, either at home or elsewhere
  • Helps cover vet bills if your dog bites another dog or legal bills if you're sued for an injury at your place

Watch this video about renters insurance to learn more about what's included in a renters policy, such as property coverage, guest medical coverage, family liability coverage, and additional living expenses.

Video Transcript


Here's what you should know about renters insurance.

SUPER: Renters Insurance

If you're renting a home, condo or apartment, this type of coverage can help protect you and your belongings.

SUPER: Renters Insurance

Renters insurance typically includes three types of coverage: Personal property, liability and additional living expenses.

SUPERS: Personal Property, Liability, Additional Living Expenses

Personal property coverage can help pay to replace your belongings if they're stolen or damaged by a covered risk.

SUPER: Personal Property

Liability coverage can help protect you if a guest is injured at your place, or if you accidentally damage someone else's property.

SUPER: Liability

If you can't stay at home because of a covered event, like a fire, additional living expenses coverage can help pay for things like your hotel stay.

SUPER: Additional Living Expenses

Keep in mind, you may have to pay a deductible before your coverage kicks in. You'll also have a limit, or the maximum amount your insurance will pay.

SUPERS: Deductible, Limit

As a renter, it's important to understand your policy and how much protection it offers. Your agent can help you adjust it to fit your needs.

Questions? Contact an Allstate agent.

Do I Need Renters Insurance If My Belongings Aren't Worth Very Much?

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 or tenant 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.

Renters Insurance Discounts

Though renters insurance is already affordable, there are many ways to save and get your costs down even further. Check out these renters insurance discounts offered by Allstate:

  • Multi-policy discount
  • Adding renters insurance to a standard Allstate auto policy can help you save.

  • 55 and retired discount
  • Enjoying your retirement? If you're not actively seeking full-time employment, renters who are 55 years old or over can get up to 25% off their premium.

  • Easy Pay Plan®
  • Scheduling your monthly payment from your account could not be easier. Enroll in Allstate's Easy Pay Plan and start saving.

How To Compare Renters Insurance Quotes

If you're requesting renters insurance quotes from multiple companies, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.

my policies icon

Choose your coverage

Take a look at the types of coverage included in the standard policy and consider what other coverages you want to add.

edit note icon

Consider your limit

When selecting the maximum amount the insurer will pay for a covered claim, consider your personal needs.

add note icon

Select your deductible

Some coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for each renters insurance quote you get.

Renters Insurance Questions

Related Resources

*$4/month premium based on the national average net cost when added to a standard auto policy.

1Cost may be higher or lower depending on your location, choice of deductible and coverage limits.

Insurance, coverages, and discounts subject to terms, conditions, and availability. NOT AVAILABLE IN EVERY STATE. Discount amounts and total savings vary based on state and coverages selected. Other terms, conditions, and exclusions apply.

ECC Monitor: OK