Certainly's renters insurance policies cover all the major events you'd expect them to, including theft, vandalism, fire and most weather-related events. They also cover medical costs for others injured in your home and the cost of staying somewhere else if your home is temporarily uninhabitable. It also offers full replacement cost on all of your personal property, which isn't something all renters insurance companies do. You can purchase identity theft protection as an optional coverage as well, but this will cost you another $5 per month.

Certainly doesn't appear to offer any renters insurance discounts, but this shouldn't be a huge concern for most people as its policies are pretty affordable and start as low as $5 per month. You can also keep your monthly costs down by choosing a higher deductible.

It's a bit difficult to get a read on Certainly's customer service. Liberty Mutual hasn't fared too well in J.D. Power's customer satisfaction surveys, but while it is underwriting your policies, you'll contact Certainly with any questions or claims you have and they will work with Liberty Mutual to get you paid. Certainly hasn't been around that long yet and there aren't many reviews of it so it's hard to know how it stacks up against the rest of the industry. If you have any questions for the company or you want to assess its customer service for yourself, try reaching out by phone or email.

All of Certainly's renters insurance policies are underwritten by Liberty Mutual, which has been in business since 1912. The company maintains strong financial strength ratings, which indicate that it is more than capable of paying out your claims if necessary.