Renters Insurance as low as $9/Month

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This renters rate and coverage are provided and serviced by affiliated and third-party insurers.View the complete renters insurance disclosure.

Renters Insurance From SafeAuto

Keep your things that matter most to you safe and protected with affordable renters insurance from SafeAuto.

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Fulfilled by MSI

Renters Insurance Q&A

What does Renters Insurance cover?

A rental insurance policy protects your personal possessions within your living space. In the event that something accidentally causes harm to your personal items, or to you, a renters insurance policy is there to help. By having renters insurance, you can have the peace of mind that your items are covered – no matter what.

Renters Insurance Covers The Following:


Coverage: ranges from $5,000 - $100,000

Items such as clothes, furniture, electronics and appliances will be replaced up to your coverage limit, after your deductible is paid.

Depending on your coverage, your policy may either reimburse your possessions at current cash value (depreciated), or they will reimburse to replace them in full.

Personal Liability
and Medical Expenses

Coverage: ranges from $25,000 - $300,000 liability

$1,000 - $5,000 for medical expenses

If you accidentally start a kitchen fire or someone is injured at your residence and you are legally responsible, renters insurance may cover repair costs, property damage and legal fees up to your coverage limit. Lastly, if a guest of yours is injured while at your residence, a rental insurance policy may also provide medical payments to the injured individual.

Living Expenses

Coverage: ranges from $2,000 - $40,000

If the place you are renting becomes uninhabitable from damage or is under repair, your renters policy may reimburse you for your hotel room or other temporary living places.

Renters Insurance Frequently Asked Questions

Are there additional coverages?

Jewelry and watches are covered in a standard policy, but you can additional coverage with increased property limits. You can add additional coverages to your policy such as pets, pools, water backup, bed bugs and identity fraud.

How much is renters insurance?

Depending on state, residence type, location, and coverage you want, renters insurance varies in cost. An average policy from SafeAuto costs only $9.03 a month! You decide your deductibles to keep your belongings covered.

Do I need renters insurance?

Some landlords and apartment complexes require you to have a renters insurance policy, but if not, carrying coverage is something to seriously consider. A landlord is responsible for the building you live in, but they are not responsible for your personal belongings. If you don’t have renters insurance and there is a fire in your apartment building, it is up to you to replace all damaged items out-of-pocket.

My landlord is requiring me to get renters insurance. What coverages should I get?

Check with your landlord, but most require $100,000 personal liability coverage. The other coverages can vary based on the value of all your possessions. On average, most policies covered with SafeAuto choose the $10,000 coverage for personal possessions.

Will renters insurance cover me if there’s a flood?

Renters insurance does not cover floods, but it does cover fire, smoke damage, or windstorms. You can add water backup coverage in case a pipe breaks, for example. This is particularly useful if you live rent a home or live in an apartment basement.

I have a Pet. Can I still be covered?

Yes. You can be covered with a SafeAuto policy regardless of your pets.* Pet damage coverage can be added to your policy.

*There are exceptions in the state of Florida.

I have a pool and a trampoline in the backyard. Is that an issue?

A pool is no problem. Just let your licensed agent know to set you up with the right coverage.

About SafeAuto Renters Insurance

Get an affordable renters insurance quote with us today online or call 1-844-494-8111.

This Renters insurance product from Safe Auto Group Agency Inc. is fulfilled by Millennial Specialty Insurance and underwritten by Spinnaker Insurance Company, Century-National Insurance Company, and Cypress Property and Casualty Insurance Company.

Products and services may be offered through Safe Auto Group Agency, Inc., who may receive commissions related to the same.