Renters insurance covers your personal belongings, your liability if someone is injured in your rental, and your living expenses if a covered event forces you out. Policies are inexpensive, and pairing one with your auto policy often earns a bundle discount that offsets much of the cost.
- What it covers
- Your belongings, personal liability, and extra living expenses if the unit becomes unlivable
- What the landlord's policy covers
- The building only, not your possessions
- Typical cost
- Often less than a streaming subscription per month
- Bundle savings
- Multi-policy discount when paired with a GEICO auto policy
- Quote time
- A few minutes online or by phone
Why renters insurance is worth it
A standard renters policy covers theft, fire, smoke, vandalism, certain water damage and more, whether the loss happens at home or your laptop is stolen from your car.
Liability coverage protects you if a guest is injured or you accidentally cause damage to the building. Many landlords in Florida and Georgia now require it in the lease.
Loss of use pays for temporary housing if your apartment becomes unlivable after a covered loss.
The bundle math
Because renters policies are inexpensive, the multi-policy discount on your auto insurance can cover much of the renters premium. That means real coverage for close to nothing extra.
Enter your ZIP code to start with auto, then add renters in the same quote, or call (904) 622-1850 and we'll price both.
Available in these states
Renters Insurance FAQ
How much does renters insurance cost?
Typically well under $30 a month for most apartments, and often less when bundled with auto. Your rate depends on location, coverage amount and deductible.
Does renters insurance cover my roommate?
Usually only if they're named on the policy. Each roommate generally needs their own coverage.
Do I need renters insurance if I don't own much?
Most people underestimate what they own. Clothing, electronics, furniture and kitchen items add up quickly, and the liability protection alone is worth the small premium.
Is renters insurance required?
No state law requires it, but many landlords and property managers require a renters policy as a condition of the lease. Even when it is optional, it is usually the cheapest policy you will ever buy relative to what it protects.
Does renters insurance cover theft outside my apartment?
Yes. Personal property coverage typically follows your belongings anywhere in the world, including items stolen from your car, a hotel or a storage unit, subject to your deductible and any limits on categories like jewelry and electronics.
What does renters insurance not cover?
Standard policies exclude flood, earthquake, your roommate's belongings (unless listed), pests and damage from your own neglect. Expensive jewelry, collectibles and business equipment may have low limits that you can raise with scheduled coverage.