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RENTERS INSURANCE THAT PROTECTS WHAT'S YOURS

Real Help From Real People

Renters insurance protects your belongings, covers you if someone is hurt in your rental, and helps pay for a place to stay if a covered loss makes your home unlivable. A-MAX helps renters get covered fast.

Get a Renters Quote

 

Prefer to talk it through? Call 800-921-2629

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 Property

Helps replace your furniture, clothes, electronics, and other belongings after covered events like fire, theft, or certain water damage.

Liability Protection

Can help with legal and medical costs if a guest is hurt in your rental and you are found responsible.

Additional Living Expenses

Helps 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.
  •  

Start My Quote

 

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
  •  

Get My Real Rate

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.

Frequently Asked Questions

While not usually legally required, many landlords now require tenants to have renters insurance. This protects both the tenant and the landlord from potential financial losses. Even if not required, it's highly recommended for the protection it offers.

 

No, unless they're listed on your policy. Each roommate typically needs their own policy. This ensures that each person's belongings are adequately covered and prevents disputes over claim payouts.

Yes, you can and should get renters insurance even if you're subletting. Subletting doesn't change your need for personal property and liability protection. Be sure to inform your insurer that you're subletting to ensure your policy remains valid.