Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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A convenient way to protect your personal property is with online renters insurance. An investment people rarely take advantage of until…something happens, and they wish they had. After the experience, many realize that just because you do not own the dwelling in which you live, you still need to protect your possessions.

All that is required for online renters insurance quotes is your zip code here!

Based on your zip code you can receive comparison quotes from several online insurance companies who want your business. Before you decide, it would be advisable to have an idea of what online rental insurance is, and what your needs are. A little research will go a long way towards saving you money.

An Online Renters Insurance Review

An expert might argue that young apartment dwellers are the largest demographic of renters without insurance. Many have yet to have an experience that stresses the importance of having this coverage. Others assume that renters insurance is an unaffordable or unnecessary expense.

If you really sit down and think about it, in this day in age, your possessions can really accumulate in value; especially in electronics alone. Then there may be jewelry, and furnishings you paid good money for! Renter’s insurance will at the very least replace the items that can be replaced. There are some things that just can not be replaced like:

  • Photos
  • Documents
  • Family heirlooms
  • Art or other collections

In most cases these are items that are priceless. Ironically, these are the things that are most devastating to lose for most people who experience a loss, according to several reports. However, the ability to replace your furniture, computer and other possessions after a devastating loss is also important.

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Who Offers Online Renters Insurance

Any company that offers homeowners insurance will probably offer renters insurance as well. Renters insurance is classified under a HO-4 type policy. To the surprise of many renters, you can establish a pretty good policy for less than $50 per month. The best policies are those detailed and customized to meet your specific needs.

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What Online Renters Insurance Policies Include

The average renters insurance policy includes coverage for your property and liability protection against accidents that may involve guests. Most policies will cover some items while off the property. A laptop or luggage contents are examples. Standard policies protect against losses and damages involving:

  • Theft
  • Vandalism
  • Fire
  • Snow (and other inclement weather damage)
  • Accidental water damage
  • Accidental Breakage or Falls
  • Glass damage (with limitations)
  • Pet accidents
  • Vehicles

Pet accidents are limited to special circumstances like injured guests, for instance.

There are several other inclusions, as well as additional riders that are optional, and add to your premium. An example of a rider would be a personal article floater which covers more expensive articles like jewelry or art. You will eventually have to make a choice in obtaining actual cash value or replacement value coverage for about 10% more.

There are some situations that are not applicable to your location; therefore, is not standard coverage for your apartment or rental home. Exclusions are items or situations that are not covered in your renters insurance policy. Some exclusions might include:

  • Some business related items (which should be covered under your business policy)
  • Flood
  • Earthquakes
  • Volcanoes

It is important to read theses exclusions when you purchase your policy for familiarity.

Online Renters Insurance For Your Business

If you rent the space where you work, commercial liability insurance may be necessary to cover damage to the building or liability protection against accidents involving visitors. As in rental insurance for an apartment, duplex or house, you may be compensated for loss of usage, and the expense of a temporary place to do business.

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Filing an Online Renters Insurance Claim

Filing an online renter’s insurance claim is simple if you can provide all the necessary information. The process requires the claimant to fill out a claim form with policy information and details of the incident. It is very helpful to have photographs to support your claim.

Many renters take photographs of their possessions to have on hand specifically for this purpose. Once the claim is filed you should expect contact from an insurance adjuster or appraiser. They will come out and assess the damage and file a report based on findings. An underwriter will make the final analysis and decision on whether your claim is denied or paid out.

How to Save on Online Renters Insurance

Saving on online renters is easy if you know what to ask or disclose. If you already have an auto policy, or other type of policy, it is good for instant savings. Club, organization or professional affiliations warrant a 10% savings in many cases. An increased deductible will lower your premiums as well. The biggest savings comes with whomever you choose to do business with.

To get online renters insurance quotes today, enter your zip code now!