Renters Insurance

Coverage that protects your belongings.

No matter what type of home you rent, protect yourself and your belongings with renters insurance.

A 2016 Insurance Information Institute poll found that while 95 percent of homeowners have homeowners insurance, only 41 percent of renters have renters insurance.

You may not think your personal belongings have much value—until you need to replace items that are stolen or damaged in an accident or a disaster. Whether you’re renting an apartment, a condo, a house, or any other dwelling, renters insurance offers you protection and peace of mind.

What is renters insurance?

Your landlord’s insurance covers only the building and any furniture or appliances they might provide. Renters insurance covers your personal possessions. If a fire or a storm damages your household goods, or if a burglar swipes your jewelry, TV, or bicycle, renters insurance helps compensate you for your loss. Renters insurance also can pay for living expenses if you’re displaced from a covered peril (subject to the terms and conditions of your policy) and your residence is uninhabitable, and may cover your liability if a guest is injured in your home (again, subject to your policy’s terms and conditions).

What types of coverage are included in a renters insurance policy?

Your renters insurance costs vary depending on the value of your possessions and where you live. As a tenant, your renters insurance covers the following:

  • Personal Property: This coverage helps you replace belongings that get damaged by smoke, fire, or other perils, or property that gets stolen. Most policies include “off-premises coverage,” which, for example, applies to belongings taken from your parked car, or from your hotel room during a vacation.
  • Loss of Use: If disaster strikes and your home is so damaged by a covered peril that you need to relocate temporarily, some policies cover your living expenses.
  • Personal Liability: If a guest at your home gets hurt—whether from a dog bite or an icy walkway—he or she might sue you. Liability coverage may pay your legal fees and the injured person’s medical bills.
  • Scheduled Personal Property: Additional coverage is available for high-valued personal property, such as jewelry, fine art or musical instruments. (Optional)
  • Medical Payments to Others: If someone is injured due to your negligence, either at home or wherever you travel, you could be responsible for medical payments and additional expenses. This could put your savings and other investments at risk.

What should I ask my landlord about coverage?

Before you compare renters insurance policies, talk with your landlord about:

  • Lease requirements, including whether renters insurance is required and, if so, what amount.
  • Details about your dwelling or unit that your insurer may need, such as its total square footage and the type of heating system used.
  • What your landlord’s policy does and doesn’t cover, so you can make smart buying decisions.

Why should I choose AAA Renters Insurance?

AAA has provided reliable insurance coverage for decades, with agents who work with you to settle claims quickly and completely. We offer personalized renters insurance quotes, so you get the policy you need for an affordable price, typically $100 to $300 per year. If you own valuable items like jewelry, fine art, or musical instruments, AAA offers extra coverage, so you never need to worry.


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The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.