Renters Insurance Calculator
Renters insurance is cheap protection for your stuff and liability. Estimate a monthly premium from your coverage choices.
Compare renters insurance quotes
Learn moreA lot of coverage for a little
Renters insurance covers your belongings (theft, fire, water damage), your liability if someone is hurt or you damage the unit, and often temporary living costs if the place becomes uninhabitable. For the price of a couple of coffees a month, it’s one of the best-value policies you can buy.
How it’s calculated & sources
We estimate the premium from your personal-property coverage, the liability limit you choose, and a deductible factor. Real quotes also weigh location, claims history and credit.
Benchmark: renters insurance averages about $15/month ($180/year) for roughly $30,000 of coverage (NAIC / Insurance Information Institute).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
$30,000 of property with $100,000 liability and a $500 deductible estimates around $150–180/year — about $13–15 a month.
Frequently asked questions
Does it cover my roommate?
Usually not — policies cover you and your property. A roommate needs their own policy unless specifically added.
Replacement cost or actual cash value?
Replacement-cost coverage pays to buy new items and is worth the small extra premium; actual cash value deducts for depreciation.