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3 reasons to buy renters insurance

If you rent your home and you're on the fence about renters insurance, we're here to help. Without further ado, here are the top 3 perks of a reliable renters policy.


Renters insurance protects you and your things

Renters insurance is an inexpensive safeguard against expensive and unpredictable incidents. If your bike was stolen, renters insurance can help you replace it. If you get sued because someone was hurt in your home, or you (or your pet) accidentally cause damage at someone else's home, you have financial protection. If your laptop, TV, and sound system burn up in a fire, your items could be covered. And if your identity is stolen and you have identity theft coverage on your policy, your renters insurance can help you restore your good name.

Renters insurance also covers expenses if you've been displaced and need a temporary place to stay. Your landlord's insurance policy doesn't cover any of those things — even if a pipe bursts or the electrical system causes a fire, the cost of replacing your stuff gets put on you, the tenant. The landlord is responsible for the structure of your rental and not the beloved things within it.

Renters insurance can help you replace your things, help you pay for legal liability, and help you protect your identity. Which leads us to…


Renters insurance is affordable

Peace of mind is more affordable than you might think. Renters insurance costs just $10 a month on average.* That's less than a cup of coffee a day! And just imagine how valuable it'll be if, say, your laptop is stolen or your furniture is damaged in a fire.


Renters insurance goes with you

If you have renters insurance, your stuff is protected no matter where it is. If a thief nabs your laptop or smartphone from your car, it's renters insurance, not auto insurance, that often saves the day.

Renters coverage has off-premise protection for your stuff almost everywhere you take it. Your beloved bike, chained up outside your apartment (or workplace, or wherever) receives as much coverage as it would in your home — and the same goes for the rest of your stuff.

Grab a free renters quote

Renters insurance protects your wallet by protecting your things. Being caught in a bad situation can be financially devastating without renters insurance, but on average you can get all the protection you need for $10 a month.*

Start your free renters quote to see what you'd pay for a reliable renters insurance policy.

Related links

Renters coverages in detail
Get a deeper understanding of what renters insurance can cover.

Renters' rights
Know your lease laws before moving into your new place.

Common renters insurance claims
Find out how renters insurance kicks in when you need to file a claim.

*Average monthly cost and annual premium figures based on Esurance renters coverage purchased between 8/25/2012 and 7/31/2013. Your premium will depend on the details of your selected coverage and your specific property. Coverages subject to availability and qualifications. Terms, conditions, limits, and exclusions will apply. Esurance renters coverage is not available in all states. In those states, Esurance Insurance Services, Inc. (California License #0G87829), offers, among other insurance products and services, the renters policies underwritten by member companies of the Homesite Insurance Group and Security First Insurance Company.

Policies purchased by residents of FL are underwritten by Security First Insurance Company, and policies purchased by residents of all other states are underwritten by member companies of the Homesite Group Incorporated where not underwritten by Esurance. Renters insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any renters policies underwritten by Security First Insurance Company or member companies of the Homesite Group Incorporated.

This page is intended to provide you with general information about renters insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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