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What is renters insurance?

The place you rent is your home, and like a home, you want it protected. Allstate renters insurance is not only reliable, but is also affordable and can cost less than you think. Gain peace of mind knowing you have quality coverage from a brand you can trust.

Similar to home insurance, renters insurance is a policy that protects you, your belongings and your living arrangements. It also typically includes other coverages like family liability coverage, additional living expenses and guest medical protection.

How much is renters insurance?

An Allstate renters policy has an average monthly premium of about $16¹. If you also insure your car with Allstate, you may be able to pay as little as $4* a month. Request a renters insurance quote from Allstate today.

Learn about renters insurance.

  • Coverage & policies

    Learn about the ways Allstate can help protect you as a renter.
  • Discounts

    Find out how you can save on renters insurance.
  • Claims

    Get helpful information about filing a renters insurance claim with Allstate.

popular bundled option

Bundling your auto and renters insurance with Allstate can save you money while protecting the things that matter most.

Auto + Renters

get a bundle quote

What does renters insurance cover?

Renters insurance, also known as tenant insurance, protects you and your stuff.

  • Covers electronics, clothes, bikes and more
  • Protects against theft, either at home or elsewhere
  • Helps cover vet bills if your dog bites another dog or legal bills if you’re sued for an injury at your place

There are typically four different types of renters insurance coverages included in an Allstate policy: personal property, liability, guest medical and additional living expenses.

Coverage Example

Personal property protection covers the loss of your belongings if they're stolen or damaged both inside and outside of your home.

  1. If your laptop was stolen from the coffee shop when you went to get a refill, your renters insurance can help you replace it.
  2. If a candle falls in your bedroom and starts a fire which damages your bed and clothes, your renters insurance can help you repair or replace what got damaged.

Family liability protection can help protect you from financial loss if you're legally obligated to pay for another person's injuries or damage to another person's property.

What if you are over at a friend's house and accidentally sit on their brand-new drone, breaking the camera lens? This coverage could help you pay for the repair.

Guest medical protection can help pay medical expenses for someone injured in an accident at your house.

Let's say a guest in your residence trips over the rug in your living room and it causes him to fall. You may be found negligent and, therefore, be legally responsible to pay for the injured person's medical bill and lost wages.

Additional living expenses helps reimburse you for reasonable costs of staying somewhere else after a covered loss renders your home uninhabitable.

What if a fire in your home caused your house to be uninhabitable? This coverage may include payments for the cost of hotel, food and other expenses.

Watch this video about renters insurance to learn more about what’s included in a renters policy, such as property coverage, guest medical coverage, family liability coverage, and additional living expenses.

Do I need renters insurance if my belongings aren't worth very much?

Even your smallest items, like your clothes, linens and cookware, can add up quickly if you have to replace them all at once. Plus, renters insurance can help provide coverage if your belongings are stolen when they’re not at your place, such as in a storage unit or in your car.


Renters insurance can also provide liability coverage if, for example, you accidentally cause a kitchen fire and are financially responsible for repairs. Additional living expense coverage, which also comes with a standard renters policy, can help pay for increased living costs, such as hotel stays, if the home you rent is uninhabitable after a fire or other covered risk.

Renters insurance discounts

Though renters insurance is already affordable, there are many ways to save and get your costs down even further. Check out these renters insurance discounts offered by Allstate:

  • Multi-policy discount
    Adding renters insurance to a standard Allstate auto policy can help you save.
  • 55 and retired discount
    Enjoying your retirement? If you're not actively seeking full-time employment, renters who are 55 years old or over can get up to 25% off their premium.
  • Easy Pay Plan®
    Scheduling your monthly payment from your account could not be easier. Enroll in Allstate’s Easy Pay Plan and start saving.

How to compare renters insurance quotes

If you're requesting renters insurance quotes from multiple companies, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.
  • Choose your coverage

    Take a look at the types of coverage included in the standard policy and consider what other coverages you want to add.
  • Consider your limit

    When selecting a limit, the maximum amount the insurer will pay for a covered claim, consider your personal needs.
  • Select your deductible

    Some coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for each renters insurance quote you get.

Renter insurance questions