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Renters Insurance: Protect What You Own
Your landlord's insurance covers the building — not your belongings. Renters insurance protects your personal property, your liability, and your living expenses for less than $1 a day.
Personal property coverage • Liability protection • From ~$15/month
Renters Coverage
From ~$15/month
Personal property & liabilityActive
Part of ourhome insurance coverage options
What Does Renters Insurance Cover?
A complete auto policy combines several coverage types. Mix and match based on your state requirements, budget, and how you use your vehicle.
Personal Property
Covers your furniture, clothing, electronics, jewelry, and other belongings against theft, fire, water damage, vandalism, and other covered perils — both at home and away.
Personal Liability
Pays for medical expenses and legal costs if a guest is injured in your rental unit or you accidentally damage the property of others.
Additional Living Expenses
Covers hotel bills and extra living costs if your rental becomes uninhabitable due to a covered loss like fire or a burst pipe.
Medical Payments to Others
Pays minor medical bills for guests injured in your home, regardless of fault — preventing small incidents from escalating into liability claims.
Identity Theft Recovery
Many renters policies include identity theft expense coverage to help you recover costs associated with restoring your credit and identity after fraud.
Why VKOVR for Renters Insurance?
Right-Sized Coverage for Renters
Many renters underestimate the value of their belongings. VKOVR helps you calculate your personal property total accurately so you're not underinsured after a claim.
Carrier Options for Every Renter
From apartment renters and students to short-term renters and those with prior claims, VKOVR finds carrier options that work for your specific situation.
Replacement Cost vs. Actual Cash Value
Policies paying replacement cost cover the full price of a new item. Actual cash value policies pay depreciated value. VKOVR helps you understand the difference and choose wisely.
Bundling Opportunities
Renters insurance is easy to bundle with auto insurance for additional savings on both policies. VKOVR identifies the best bundling options at quote time.
Getting Renters Insurance with VKOVR
Step 1
Tell Us About Your Rental
Share your address, rental type, and an estimate of your personal property value. Takes about 2 minutes.
Step 2
Get Coverage Recommendations
We compare top renters insurance carriers and present the best options for your coverage needs and budget.
Step 3
Get A Quote Now
A VKOVR advisor answers your questions and helps you choose between replacement cost and actual cash value coverage.
Step 4
Get Covered Today
Activate your renters insurance and protect your belongings and liability starting as low as $15/month.
Explore Other Home Insurance Options
Renters insurance covers what you own. Explore the full range of home coverage options.
Renters Insurance by State
Renters insurance rates and coverage requirements vary by state. Select your state.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Renters Insurance FAQ
No. Your landlord's property insurance covers the building structure only — not your personal belongings inside the unit. If there is a fire, break-in, or water damage, your furniture, electronics, and clothing are only covered if you have your own renters insurance policy.
Rated on Trustpilot · 4.8/5What Our Customers Say
Real feedback from customers nationwide
David R.
Business Owner
Our small business got liability coverage without the usual runaround. Clear options and fast follow-up.
Customer review
Maria K.
Multi-line Customer
Great experience from start to finish. I bundled my home and auto and saved significantly.
Customer review
James L.
Home Insurance Customer
Finally, an insurance platform that speaks my language. The team was responsive and helpful.
Customer review
Sarah M.
Auto Insurance Customer
VKOVR made finding the right auto coverage simple. I had a quote in under 10 minutes.
Customer review
Licensed advisors · Fast response · No obligation
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When Should You Update Your Home Insurance?
Life changes and home improvements can leave you underinsured if you do not update your policy. Here are the 8 situations that require a coverage review.
Read articleYour Belongings Are Worth Protecting
Add up your furniture, electronics, and clothing. Most renters have $20,000–$40,000 in belongings — and no coverage for them unless they have renters insurance.
