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Renters Insurance

Affordable coverage to protect your stuff

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Coverages
Discounts
FAQs

Get to know your renters coverage options

Renters insurance protects your personal belongings and also protects you if you're held legally responsible for injuries to another person or guest while they're visiting your home. Learn more about the unique renters insurance coverages we offer below, then contact a local agent to discuss the right coverage for you.

Coverage
Real-life scenario
Standard
Optional
Personal Property Coverage
If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced.
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Liability Coverage
Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else's home.
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Additional Living Expenses
Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more.
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Valuable Articles Coverage
Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment.
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Personal Property Replacement Cost Coverage
For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1
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We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best renters coverage options for you.
View all coverages

You could save money with Safeco's renters insurance discounts2

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Multi-policy Discount

Combine your renters insurance policy with your auto insurance to save.
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Pay in full

Did you know that if you pay your premium in full, you'll actually pay a lower rate over the term of your policy?
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Choose a higher deductible

It's not always recommended, but if you choose to purchase a policy with a higher deductible you'll pay a lower premium.

Why purchase renters insurance?

Renters insurance may or may not be required where you live, but we always recommend it to ensure your stuff is protected. Not only that, it's more affordable than you think.
Renters insurance covers:
  • Your personal belongings in the event of theft or fire
  • Liability if a guest is injured in your home
  • Additional living expenses if your home becomes unlivable due to a covered event

Connect with a local agent to learn more about the benefits of renters insurance. Find an agent
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Common renters insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss renters insurance today.

1Optional coverage. Subject to a deductible. May vary by state.
2Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.