10 Best Renters Insurance of 2017

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Renter’s insurance is a home insurance designed specially for renters. In case of disaster,  landlord’s or property management’s insurance policies generally only cover building repairs, not the renter’s personal items. Renter’s insurance reimburses you to replace possessions damaged by fire, flooding, or lost to theft and vandalism.

Standard policies also include liability coverage, which pays for damage and injuries you may cause to others, and should cover for additional living expenses if your home is destroyed in a disaster covered by your policy. You can also add protection from credit card or debit card theft, as well as from forged checks. Theft extension coverage can even protect  personal items stored away from the home, such as a boat, mobile home, or vehicle.

When evaluating different renter’s insurance policies, consider the scenarios they provide coverage for, if there are any discounts available, what riders or additional coverage plans they offer, and finally, the cost. Factors that will impact the cost of your premium also include your location, the deductible amount, and whether you opt for replacement cost vs actual cash value. However, most policies are quite affordable, so cost shouldn’t be the top consideration on your list.

If you do decide to purchase renter’s insurance, a helpful tip is to make a thorough documentation of your personal property, to facilitate the process, should you ever have to file a claim. Before making a final decision, research at least three different companies, and obtain an estimate from each.

Top 10 Companies

#1
Allstate
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9.9 / 10
  • Allstate Has 84 Years Experience
  • Protect Your Stuff, In & Out of your Apartment
  • As Low As $4 a Month if Bundled!
  • Covers Fire, Theft or Vandalism
  • Protects You if Someone Gets Injured
  • Online Quotes or Talk to an Agent
  • Quick online quotes 
  • Online payment 
  • Mobile app 
  • Multiple discounts
  • Mobile app
  • Instantly get a quote online
  • Flexible pricing
  • 24/7 assistance
  • More than a century of experience in the insurance industry
  • Get free quote online
  • 24-hour customer assistance
  • Online coverage calculator
  • Exclusive group savings
  • Get Instant Quotes
  • Renter’s Policy for under a $1 a day
  • Multiple line Discounts
  • Coverage for personal items
  • Wireless home monitoring
  • Quick Online Quotes 
  • Multi-Policy discount 
  • Liability Coverage 
  • 24-hour customer support 
  • Mobile App 
  • 150 years of experience
  • 24-hour assistance
  • Instant quotation
  • Online claims center
  • Quick claim process
  • Easy application process
  • Mobile app
  • 24/7 phone support
  • Quick online estimates
  • Online Billing
  • Instant quote 
  • Excellent for renters with personal property 
  • Two-minute online enrolment 
  • Multiple payment options 
  • Custom policy 
  • Multiple discounts options 
  • Instant quotes 
  • Online claim reporting 
  • Limited availability

 

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Best Renters Insurance: Summed Up

RankCompany NameStrengths
1AllstateBest Overall
2FarmersDiscounts, Customer Support
3PemcoCompany Profile
4Liberty MutualCompany Profile

How We Compare Renters Insurance

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Company Profile - 10%
Structures Covered - 15%
Plan Details - 20%
Coverage - 25%
Discounts - 15%
Customer Support - 15%

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