20+ years on your side · 1M+ drivers helped since 2002 · English and Spanish · Online, by phone, or in-store
What Renters Insurance Covers
Renters insurance covers three big things: your stuff, your liability, and a place to stay if a covered loss pushes you out of your home. Your landlord’s policy covers the building. It does not cover you.
Personal PropertyHelps replace your furniture, clothes, electronics, and other belongings after covered events like fire, theft, or certain water damage.
Liability ProtectionCan help with legal and medical costs if a guest is hurt in your rental and you are found responsible.
Additional Living ExpensesHelps pay for a hotel or temporary housing if a covered loss makes your rental unlivable while it is repaired.
What Renters Insurance Does Not Cover
Knowing the limits keeps you from being surprised later. A standard renters policy usually does not cover:
- ✕ The building itself. That is your landlord’s policy.
- ✕ Flood and earthquake damage. Those usually need separate coverage.
- ✕ Your roommate’s belongings, unless they are listed on your policy.
- ✕ Your car. That is what auto insurance is for.
Not sure where your stuff lands? An A-MAX agent will walk you through it in plain language, with zero pressure.
Who Needs Renters Insurance?
If you rent an apartment, house, duplex, or even a single room, renters insurance is for you. Many landlords and apartment complexes now require proof of coverage before you can sign a lease or move in. It also matters if you are subletting, sharing with roommates, or renting for the first time. Wherever you are starting from, we meet you there. No judgment, ever.
How It Works: Covered in 3 Steps
- 1. Tell us about your rental. It takes a few minutes online, on the phone, or at a store near you.
- 2. Pick coverage that fits. Your agent helps you choose limits and a deductible that match your stuff and your budget, in plain language.
- 3. Get covered, often the same day, with proof of coverage ready for your landlord.
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Why Renters Choose A-MAX
You should not have to figure this out alone. A-MAX puts real people on your side to help you get covered without judgment.
20+ Years On Your Side A-MAX has been helping people get covered since 2002, including when other companies make it feel hard.
1M+ Drivers Helped More than 1 million people have trusted A-MAX with their coverage. Your renters policy gets the same care.
Real Bilingual Agents Get help in English or Spanish from real people, online, by phone, or at a store near you.
Here After You Buy Getting covered is just the start. Need proof of coverage, a policy change, or a question answered? Your agent is a call or a visit away.
How Much Is Renters Insurance?
Renters insurance is one of the most affordable policies you can buy, and your exact rate depends on a few simple factors. An A-MAX agent can give you a real number in minutes. Here is what shapes your price:
- ✓ How much coverage you choose for your belongings
- ✓ The deductible you pick. A higher deductible usually means a lower monthly payment.
- ✓ Where your rental is located
- ✓ The building’s age, type, and safety features
- ✓ Your claims history
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Get a Renters Insurance Quote Today
Your stuff matters. Protecting it should be quick, affordable, and judgment-free. Get a renters insurance quote in minutes, or talk it through with a real agent in English or Spanish.
Get a Renters Quote
Rather talk to a real person? Call 800-921-2629
Or find an office near you and chat with a friendly agent.