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Best Renters Insurance Companies of December 2023

Our experts answer readers’ insurance questions and write unbiased product reviews (here’s how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.Whether you’re renting a studio apartment or an entire single-family home, renters insurance covers what your landlord’s policy does not. If a fire destroys your rented home, renters insurance could cover your personal belongings and valuables. If someone sues you for injuries on your property, renters insurance will ensure you’re covered.Offers low mileage, electric vehicle, hybrid discounts, and discounts for bundling your home and auto insurance853Lemonade offers auto, homeowners, renters, pet, and life insurance. It’s been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power’s customer satisfaction surveys for renters insurance, however, it doesn’t rank for life and homeowners insurance.Offers many discounts, including good student discounts for high school and college students836A++State Farm offers auto, homeowners, and life insurance. If you’re looking for an established insurer with good customer satisfaction and reasonable rates, State Farm delivers.Offers discounts for bundling your home and auto insurance851A+Erie Insurance is a good option for insurance if you value customer and claims satisfaction. Although it’s only in 12 states plus D.C., if available in your state, it’s a good option for auto, life, and home insurance.Offers discounts and discounts for bundling your home and auto insurance837A+Allstate has a national presence and low rates in auto and life insurance. It also provides excellent customer service across various products.Offers array of discounts and bundling options831AFarmers offers auto, homeowners, and life insurance. It’s been around since 1928 and generally has good marks for customer satisfaction. While its auto insurance may be an expensive option for some customers, Farmers offers a number of discounts to curtail the cost.Offers discounts and discounts on bundling886A++USAA offers auto, homeowners, and life insurance with a proven record on customer service. Although its auto and homeowners is only available to military and veterans, its life insurance is open to the public. If you’re looking for an established insurer with good customer satisfaction and reasonable rates, USAA delivers.Renters insurance covers personal property when damaged by a covered peril, or a loss listed in your policy, like fire, smoke, theft, and storms. Your landlord’s insurance policy will typically cover the building and the structure, and your insurance covers anything inside your home.The average cost of renters insurance in the US is about $15 per month, or $174 a year, according to 2019 data from the Insurance Information Institute. Premiums may vary based on zip code, any history of claims, and more. You could get additional savings by bundling your renters insurance policy with car insurance or other types of insurance. Find the best cheap renters insurance policy by collecting quotes from at least three insurers and looking for the insurance policy with the most coverage, the smallest premiums, and the lowest deductible.The cheapest renters insurance tends to vary based on your location, so it’s worth getting quotes with a few different companies. Overall, though, Lemonade tends to offer cheap rates across the US.Lemonade Renters Insurance is an easy-to-use digital platform provider that offers affordable coverage. Lemonade isn’t available in all states, but it has good customer service ratings.The average renters insurance, according to some reports, costs $174 annually or $14.50 per month. According to Insurify, Lemonade starts at $5 a month, significantly more affordable than the national average. However, your renters insurance will be based on several factors like where you live.Lemonade Insurance ReviewState Farm Renters Insurance is an established insurance company that receives high customer and claims satisfaction marks.The average annual premiums for renters insurance cost are $174, according to the Insurance Institute. However, bundling discounts may lower costs (if you bundle it with your auto or other insurance). Some apartment buildings also partner with specialty renters insurance companies, which offer more coverage and exclusive perks as long as you live in a certain building.State Farm Insurance ReviewErie Renters Insurance only operates in 12 states and Washington, D.C. It won’t make sense for everyone, but it does have a reputation for good customer service and claims satisfaction in the regions where it does operate. Erie Insurance is known for its low prices across the board, however, it also offers a number of discounts to curtail your premiums even further.Erie’s renters insurance starts at $15 a month, slightly below the national average. However, your renters insurance will be based on several factors, like where you live.Erie Insurance ReviewAllstate Renters Insurance is a national carrier that ranks well for customer service, but its insurance premiums aren’t always the cheapest. However, Allstate has a discount that allows renters who are 55 years or older to enjoy 25% of their premiums.Insurify finds Allstate monthly premiums start at $15 monthly, which is on par with the national average. Allstate is known for its bundling and other discounts. So if you’re already a loyal Allstate company, you’ll probably find your most competitive rates here. Allstate’s personalized service with captive agents may also appeal to seniors.Allstate Insurance ReviewFarmers takes the sixth spot in J.D. Power’s renters insurance customer satisfaction survey. You may qualify for a discount if you are a business professional such as a doctor, nurse, engineer, dentist, teacher, police officer, or firefighter. You can obtain a quote by speaking to a Farmers insurance representative.Farmers Insurance ReviewIf you’re in the military or a veteran, USAA is an option worth considering. Its life insurance is the only product open to non-military customers.Insurify states USAA is priced at $10 a month, significantly more affordable than the national average. However, as you may already know, USAA insurance coverage is limited to US military members, veterans, and their immediate families. Civilian renters are not eligible for its rock bottom pricing.USAA Insurance ReviewWe aim to inform consumers, giving you the information you need to make decisions about your insurance. Our reviews and guides are not for sale. All product features are based on facts gathered. We consider industry standards, customer reviews, and other factors to get a complete perspective on each product.Insider gathered data from several renters insurance companies based on customer service and premium prices where available. We base our sample quotes on data for two people renting a two-bedroom, one-bath, single-family with no pets in Philadelphia.See our insurance rating methodology to learn more.Like homeowners insurance and car insurance, the cost of renters insurance will vary by state. Where you live will play a significant role in the amount you pay in premiums.Here’s the average annual premium for renters insurance by state, according to the Insurance Information Institute.

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