Independent Guide
Renters Insurance Made Simple
Clear explanations, plan comparisons, and claim tips—protect your stuff and liability without confusion.
Tip: Premiums depend on location, building security, coverage limits, and deductibles. Compare at least three quotes.
Quick Quote Checklist
- Address/ZIP code and building details
- Coverage limits for personal property & liability
- Deductible preference (e.g., $250–$1000)
- High-value items (jewelry, electronics)
- Any prior claims
Popular Guides
Personal Property Coverage
How actual cash value vs replacement cost affects payouts.
Liability Coverage
Protects you if someone is hurt in your home or you damage others’ property.
Additional Living Expenses
Helps pay for temporary housing after a covered loss.
Coverage at a Glance
| Coverage | What it Pays For | Notes |
|---|---|---|
| Personal Property | Belongings damaged by covered perils | Consider replacement cost |
| Liability | Injuries/damage you’re legally responsible for | Common limits: $100k–$500k |
| Medical Payments | Guest medical bills regardless of fault | Typically small limits |
| Additional Living Expenses | Hotel/meals when home is uninhabitable | Time/amount caps apply |