How much renters insurance do you need?

The amount of coverage you need primarily depends on two factors: How much personal property do you have? Taking a home inventory can help you determine the combined value of all your stuff. Use our personal property calculator to determine how much coverage you may need to protect your belongings. What is your net worth? If you're liable for someone else's injuries or property damage, you need at least enough personal liability coverage to cover what you have to lose.

What do you need to quote renters insurance?

We only need your full legal name, date of birth, and address to provide you with a quote for renters insurance. You can customize your policy with details like the estimated value of your belongings and any endorsements you want to include.

Does renters insurance cover pet damage?

If your pet damages someone else's property, your liability coverage may pay to repair or replace the items or property, up to your coverage limit. However, pet damage to your own residence is your responsibility. Learn more about how pet damage is covered by renters insurance .

Does renters insurance cover water damage?

Renters insurance may cover water damage due to an incident that was sudden or accidental. However, a renters policy won't cover water damage due to flooding. A water backup endorsement, if available on your renters policy, may be able to help if your property is damaged due to water backing up from your sewer or drains.

What's the difference between renters/landlord coverage?

Renters insurance policies are for tenants renting from a landlord or rental company and won't cover the physical structure of the home or apartment building. A landlord needs a type of homeowners insurance to cover their rental property.

Renters Insurance

Name: Renters Insurance
Brand: Progressive
Rating: 4.34 (68951 reviews)

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Quote affordable and reliable renters insurance with ease

Get a quick renters insurance quote online today and see how easily you can get a customized, low-cost renters policy. Whether you rent a single-family home, a condo, or a unit in a high-rise, you can enjoy peace of mind knowing your personal belongings and more are protected.

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Bundle your auto and renters insurance policy with Progressive and save an average of $30^Δ on your car insurance.
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Quote renters insurance at least one day before your policy starts and earn an additional discount where available.⁺
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Our Snapshot® program customizes your car insurance rate based on how you drive. On average, customers who save with Snapshot enjoy $322 in savings per year.^††

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Renters who switch their auto insurance and save with Progressive save $795 on average^††

Renters insurance protects more than just your stuff

Renters insurance is designed to protect you when the unexpected happens. Not only are your belongings covered for theft, but your renters policy also offers important coverage if you're responsible for injuries and property damage or if you're unable to stay at your residence due to a covered peril.

Personal property coverage

Protects your personal belongings

Your policy may pay to repair or replace items, such as clothing, electronics, furniture, tools, and appliances, if they’re stolen or if they’re damaged, or destroyed in a covered loss.

Liability coverage

Covers your assets

If you're legally responsible for someone's injuries or damage to their property, personal liability coverage for renters may pay for their medical expenses, lost wages, and court/legal fees.

Loss of use

Pays for certain expenses during repairs

If your place is damaged by a covered loss and uninhabitable, your policy may cover a hotel stay and grocery expenses (above what you'd normally pay) up to your coverage limit while repairs are made.

Medical payments to others

Covers someone else's injuries

If someone is injured at your residence, this pays for their medical bills, up to your coverage limit, regardless of who was at fault.

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What happens when you need more coverage than your policy offers?

Some items may have special coverage limits, known as "sub-limits." The sub-limit is the maximum amount you can receive for an item, regardless of its value. For instance, personal computers may have a sub-limit of $2,500, and tools may have a sub-limit of $1,000. If you need more coverage than the sub-limit offers, you may be able to schedule the item separately, also known as "adding a rider," to more fully protect the item.

Is renter's insurance required?

Renters insurance isn't required by law, but your landlord or property management company may require renters insurance as part of your lease agreement.

But just because renters insurance isn't required doesn't mean you should forego coverage. Renters insurance may be able to help if you need to live elsewhere due to a covered loss or you're deemed liable for someone else's injuries.

How much does renters insurance cost?

The cost of renters insurance starts at less than $1/day.^* Many factors will influence your cost of renters insurance, including your location, type of residence, and coverage limits. See how affordable a renters policy is in your state:

3 things you need to get a renters insurance quote

Renters insurance isn't required by law, but your landlord or property management company may require renters insurance as part of your lease agreement. But just because renters insurance isn't required doesn't mean you should forego coverage. Renters insurance may be able to help if you need to live elsewhere due to a covered loss or you're deemed liable for someone else's injuries.
The amount of coverage you need primarily depends on two factors:
- How much personal property do you have? Taking a home inventory can help you determine the combined value of all your stuff. Use our personal property calculator to determine how much coverage you may need to protect your belongings.
- What is your net worth? If you're liable for someone else's injuries or property damage, you need at least enough personal liability coverage to cover what you have to lose.

Your peace of mind is our priority: Explore renters insurance resources

We break down renters insurance so you don't have to. See all of our renters insurance resources.

Read some of our renters insurance reviews

Whether you rent a home or an apartment, there are plenty of reasons to choose Progressive for renters insurance.^††

4.34/5

average rating

68,951 total reviews

5/5

February 11, 2026

Great all-around service great prices and fast quotes thanks progressive 4 being there...

5/5

February 10, 2026

Progressive made it easy to quickly make the changes I needed. One thing I do not like about insurance is that it always feels like a hassle. Long phone calls, complications, etc. but Progressive made it easy.