Affordable renters insurance for your apartment or house. Protect your belongings.
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✓ Fast quotes
✓ Liability coverage
✓ Additional coverage options
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All Renters Providers (18)
🔑 Allstate
★ 4.8/5.0
$57 - $295
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Large captive agent network (roughly 10,000 Allstate agencies nationwide) for in-person policy setup, which is uncommon among renters-focused insurers like Lemonade or Jetty
- • AM Best Financial Strength Rating of A+ (Superior) for Allstate Insurance Company, indicating strong ability to pay claims
CONS
- • Base renters premiums tend to run higher than direct-to-consumer competitors like Lemonade and State Farm in independent rate comparisons (e.g., NerdWallet, Bankrate surveys)
- • Standard policy excludes flood and earthquake — separate policies required, which is typical for the industry but notable given Allstate's heavy California and Gulf Coast presence
🔑 Liberty Mutual
★ 4.7/5.0
$38 - $329
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Multi-policy discount with Liberty Mutual auto insurance is one of the largest in the industry (advertised up to 25% off renters when bundled), which is meaningful since Liberty is a top-3 personal auto writer
- • Highly customizable policy add-ons including 'Blanket Jewelry Coverage' and earthquake endorsement availability in states like California where many competitors decline to write
CONS
- • Scored below the segment average in the J.D. Power 2023 U.S. Home Insurance Study for renters insurance, ranking near the bottom of measured insurers
- • NAIC complaint index for Liberty Mutual's renters/homeowners lines has historically run above the national median of 1.0, indicating more complaints relative to market share than average
🔑 MetLife
★ 4.6/5.0
$104 - $168
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Existing MetLife renters policies were assumed by Farmers Insurance Group, one of the largest US P&C insurers, preserving coverage continuity for legacy customers
- • Group/employer-sponsored voluntary benefits channel was a long-standing MetLife strength, and renters insurance through workplace benefits programs continues under the Farmers GrandProtect and MetLife Auto & Home transitional branding
CONS
- • MetLife no longer directly sells renters insurance to new customers — the entire P&C book was sold to Farmers in April 2021, so quotes under the MetLife brand are not available for new applicants
- • Renters policies previously written by MetLife Auto & Home Insurance Company are being migrated to Farmers paper at renewal, which can change pricing, endorsements, and claims handling for legacy policyholders
🔑 Amica
★ 4.5/5.0
$26 - $274
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Mutual company structure with optional dividend policies that can return roughly 5-20% of annual premium to policyholders, a feature few national renters insurers offer
- • Consistently top-ranked in J.D. Power's U.S. Home Insurance Study for customer satisfaction over multiple years, including renters segment performance
CONS
- • Renters premiums tend to skew higher than budget-focused competitors like Lemonade, State Farm, or GEICO, reflecting the premium-service positioning rather than price leadership
- • No standalone mobile-first quote-and-bind flow comparable to Lemonade — quoting and servicing are more traditional (web/phone/agent), which can feel slower to digital-native renters
🔑 SafePoint
★ 4.5/5.0
$48 - $177
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Specializes in coastal Southeastern markets (Florida, Louisiana, Texas, South Carolina) where larger national carriers have pulled back from writing new business
- • Distributes exclusively through independent agents, allowing renters to bundle quotes with other regional property carriers in one stop
CONS
- • Limited geographic footprint — not available outside a handful of Southeastern states, so renters who relocate may need to switch carriers
- • Rated by Demotech rather than AM Best, which some mortgage lenders and consumers view as a less stringent benchmark for financial strength
🔑 Nationwide
★ 4.3/5.0
$28 - $204
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Hippo
★ 4.3/5.0
$84 - $337
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 State Farm
★ 4.2/5.0
$66 - $166
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 GEICO
★ 4.1/5.0
$47 - $211
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 American Family
★ 4.1/5.0
$23 - $246
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Travelers
★ 4/5.0
$44 - $220
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 USAA
★ 4/5.0
$102 - $339
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Lemonade
★ 4/5.0
$103 - $208
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 AIG
★ 4/5.0
$110 - $169
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 The Hartford
★ 3.9/5.0
$50 - $188
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Assurant
★ 3.9/5.0
$103 - $214
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Cincinnati
★ 3.9/5.0
$35 - $237
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
🔑 Progressive
★ 3.8/5.0
$95 - $206
Coverage Types:
Deductible: $250-$1000
Key Features:
- ✓ Local agents
- ✓ Multi-policy discount
- ✓ Fast claims
PROS
- • Affordable
- • Easy bundles
CONS
- • Limited options
- • Higher base price
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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