Insurance Products

Renters Insurance

You've found your dream place and filled it with the stuff that makes a high rise a home. Or perhaps it's a loft or flat that houses your dreams.

No matter what type of rental dwelling fits your style, be sure you're protecting all it holds with renters insurance from American Family. We offer:

  • Affordable rates. Get a quick renters insurance estimate.
  • An easy application process. To get started, talk to a local agent.
  • Caring claims coverage, with 24/7 phone support to keep your claim moving.
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Renters Insurance Helps Cover Your 'Stuff'

The value of your personal property can add up quickly. Your landlord's insurance doesn't cover your belongings, so if you suffer a loss, the replacement cost could be substantial.

Here are some items American Family Renters Insurance covers:

  • Electronics
  • Computers
  • Sports Equipment
  • Antiques
  • Jewelry
  • Clothes
  • Furniture
  • Appliances
  • Collectables
  • Home Furnishings
  • Art
  • Musical Instruments
  • Home Office Equipment
  • Tools
  • CD / DVD / video game collections

Inventory Tip: Document what you own with photos or video and keep these records in a secure off-site location, such as a safe deposit box.

Other property coverage options to consider include Personal Property Replacement Coverage, Identity Theft Coverage, and Sewer and Sump Pump Overflow Coverage.

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Renters Insurance Liability Coverage Helps Protect You

Accidents happen. As a renter, you could be held liable for injuries to visitors that occur in and around your home due to unsafe conditions.

As an American Family Renters Insurance customer, we can help protect you from many types of liability claims and lawsuits brought by others for accidental bodily injury or damage to their property while in your apartment.

Optional liability coverage options for renters include Personal Injury; Additional Premises Coverage; Home Day Care; and Office School or Studio Use.

Your American Family Insurance agent can help you find the best coverage for your unique needs.



As an American Family Renters Insurance customer, you may be eligible for one or more of the following discounts:

Discounts vary based on a variety of conditions. An American Family Insurance agent will help you identify the ones for which you qualify.

Interactive Home

Additional Renters Resources

Interactive Apartment – Take a guided tour of our virtual apartment, and develop a checklist of how to make your real home safer.

My Home – Resources to protect your dwelling inside and out. (Part of the American Family Insurance Learning Center.)

Your New Apartment – What do you have worth protecting between your new walls?

Renters Insurance Has You Covered – Know your options when purchasing a renters policy.

Renters Insurance and College - Is your away-from-home student adequately insured?

Tour Our Virtual Apartment - We'll show you lots of items worth protecting with renters insurance.

You and Renters Insurance Video - How would you replace your belongings if they were stolen from or damaged in your apartment?

How much renters insurance do you need?

The answer depends on the quantity and quality of your belongings. An American Family Insurance agent can help you determine the right amount of coverage for your unique needs. As a discussion starter, here’s a look at how much you may have to protect, based on the size of your apartment.

Studio $25,000

1 Bedroom $36,100

2 Bedroom $40,200

3 Bedroom $44,000

This table is for approximating the amount of personal property coverage needed; it is not a recommendation for specific coverage amounts. The actual cost to replace your personal property may be significantly different. American Family does not guarantee these figures represent the actual cost to replace your personal property. These figures do not include personal property items such as jewelry and other collectibles, which should be included separately under scheduled personal property coverage. You are responsible for selecting the appropriate amount of coverage. Higher coverage amounts may be selected and will result in higher premiums. To help determine what's best for your unique situation, please consult your American Family Insurance agent.

American Family Insurance, an Equal Housing Insurer

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Discuss Your Needs

Discuss Your needs with an American Family local agent.

With American Family Insurance, we make your insurance experience easy and convenient and ensure there are no unwelcome surprises -- especially in your time of need.

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