Renters insurance that covers your prized possessions
How to save on renters insurance
Take advantage of discounts
Save up to 7% when you bundle your renters and auto insurance today.* And since bundling includes auto, you may be able to save even more on your total premium if you enroll in one of our usage-based auto insurance programs.*
Renters who add DriveMyWay when they bundle & save also get a personalized auto rate based on their driving habits and could enjoy additional savings between 10 & 35%.*** Check out more renters insurance discounts here.
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What do I need to get a renters insurance quote?
What you’ll need
- Your rental address (and unit number, if applicable)
- Your move-in date
- A contact email (and/or phone)
Helpful info (if you have it)
- Property type (apartment, condo, house)
- A rough idea of how much personal property coverage you want (what it would cost to replace your stuff)
- Prior claims (if any)
- Prior insurance carrier (if applicable)
- Safety features (smoke detectors, deadbolts, security system)
Start your renters insurance quote
Is renters insurance required?
While renters insurance usually isn’t required by law, your landlord or property management company may require it as part of your lease. Even when it’s not mandatory, apartment renters insurance can help protect your belongings and provide liability coverage if you’re responsible for someone else’s injuries. It may also help with additional living expenses if you can’t stay in your rental due to a covered loss.
What does renters insurance cover?
Typically, renters insurance covers your personal property, personal liability, and additional living expenses if you can’t stay in your home after a covered loss. Check out the common coverages below—and add-ons for extra protection.**
Most renters start with common coverages. You can further customize your protection with optional add-ons so your renters policy fits your needs.
- Helps pay to repair or replace your belongings if they’re damaged or stolen due to a covered loss (like fire, theft or certain types of water damage.
- Choose your coverage limit and deductible.
- Helps protect you if you’re responsible for injuries to others or damage to someone else’s property.
- Can help with property damage, first aid, medical expenses and court costs (up to your coverage limits).
- Choose your coverage limits.
- Helps pay additional living expenses (like food or a hotel) if your rental becomes uninhabitable due to a covered loss.
- Coverage amounts vary by policy.
- Identity theft protection
- Helps cover expenses related to restoring your identity and credit after identity theft.
- Pet insurance for renters
- Provides up to $1,000 in coverage to help pay certain veterinary bills and final expenses if your pet is injured during a covered event.
- Travel protection for renters
- A customizable policy through our partner that can include coverages like trip cancellation and global medical insurance while you’re away.
- Home-based business
- Limited liability coverage and business property protection for eligible small, home-based businesses.
- Diminishing Deductible
- Credits your deductible $100 each year (up to $500 maximum) for being a responsible renter.
How much does renters insurance cost?
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Renters insurance FAQs
Protect more than just your apartment
Looking for coverage beyond your rental? American Family Insurance also offers auto and life insurance to help protect what matters to you on and off the road.
Get a personalized quote today and enjoy the same trusted service.
Renters insurance tips & resources
Ready for a renters quote?
- Choose the coverage that fits your needs
- See your options quickly
- Get help from your local agent, if needed
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
*Customers who bundle their auto and renters insurance may save up to 7% on both policies together (as of June 2025). Discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.
**Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
***Diminishing Deductible does not apply to all property deductibles. Named storm deductible applies only to GA. Policy maximum limits are $1000 for homeowners and $500 for renters, condo and manufactured homeowner policyholders. DriveMyWay plans & discounts may vary by state. Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Products, pricing, and availability vary based on the way you purchase insurance and by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. Customer driving data from the DriveMyWay & KnowYourDrive program were used to inform rate structure. If you choose to unenroll anytime after the trial period ends, we’ll use your latest program score when calculating your rate at future renewals.