1.) It covers your valuables inside the home
Lose your laptop after locking it in the car? For an average cost of $10 a month, renters insurance can help you replace it. Same goes for valuables stolen or damaged at the gym, at the coffee shop, or at a friend's. Renters insurance provides a percentage of coverage even for items far from home.
2.) It can pay additional living expenses
(if something happens to your place)
If your apartment's damaged by fire, you're going to need a
place to crash while the landlord takes care of business. Loss-of-use coverage kicks in at this stage, and it helps cover
the cost of additional living expenses, like your hotel room.
3.) It can help you recover from
Here's a little-known bonus: Renters insurance can help you recover when your identity or credit has been stolen. When you purchase optional identity theft coverage, your renters provider will work with credit card companies, credit bureaus, and other institutions to help rectify any damage done to your name. Certain legal fees associated with identify theft can also be covered — check the specifics of your policy to find out more.
Count on Esurance for your renters insurance
You can depend on a renters policy that covers your belongings, whether they're on your desk, under your couch, or in your car's glove box.
Each renters policy comes with convenient payment options and customer service you can count on.
What's covered by renters insurance
Renters insurance typically covers you and your personal property when you're renting a house or an apartment. A policy can cover your clothes, sports equipment, laptop, TV, and more whether or not they're inside the home.
Specifically, your renters policy can also include:
- Loss-of-use coverage, which helps pay additional living expenses if you need to live somewhere else due to a covered incident
- Personal liability coverage (in case a guest is injured in your rental)
- Coverage for certain accident-related medical expenses
- Identity theft coverage (state availability varies)
- Replacement cost coverage (for your personal things)
- Off-premises coverage for your property
Learn more about what renters insurance covers >
Additional renters resources
Why you may need renters insurance
We offer 3 reasons why a reliable renters policy is worth the investment.
4 common renters insurance claims (and how they can happen)
Check out a few simple examples of when and how your renters insurance can come to your rescue.
Renters insurance for college students
If you or your child is heading off to college, renters insurance can offer significant peace of mind from college-related antics and incidents.
A renter's guide to tenant rights
If you rent your home, you have legal rights you may not know about. We'll explain.
Identity theft and renters insurance
What do you do when "you" isn't you? Identity theft is a growing problem in the U.S. and renters insurance may be able to help. We'll explain.
Renters insurance FAQs
Find info on the nuts and bolts of renters insurance.
Renters insurance contact info
If you have questions about an existing renters insurance policy, here's how you can get in touch.
*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 Florida 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.