Renters insurance calculator
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Compare renters insurance quotes from vetted providers. What you pay depends on your state, coverage, and deductible - check each quote.
The fire starts two floors down, in someone else's kitchen. You're okay.
Your apartment is full of smoke and water. Your landlord's insurance covers the building.
Not your couch. Not your laptop. Not a single sock.
Most renters guess their things are worth a few thousand dollars. Then they try to replace them, one receipt at a time.
It's almost always more than you think. Here's your real number.
Four words to know
- Replacement cost
- Pays what it costs to buy it new today. The one you want.
- Actual cash value
- Pays what your used stuff is worth. Often about half.
- Sub-limit
- A cap on certain things, like jewelry or bikes, even inside your total
- Rider
- An add-on that covers one valuable item for its full worth
Good to know
How much renters insurance do I need?+
Enough to rebuy everything at today's prices. Most renters land somewhere around $20,000 to $35,000.
What does it cover?+
Your things, if they're stolen or ruined by something like a fire. Plus liability, and a place to stay if you can't live there.
Is my jewelry fully covered?+
Often not. Many policies cap jewelry, bikes and collectibles at around $1,000 to $2,500. Ask about a rider.
How much does it cost?+
Usually about $10 to $25 a month, depending on your state, coverage and deductible.