renters insurance

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When you rent an apartment or house, your landlord is not responsible for your personal belongings if they’re stolen or damaged. 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. To make sure you’re protected, your local independent agent can offer personal advice about product availability in your area and how much coverage is right for you.
Renters Insurance Coverage Options
Get the coverage you need to protect your home and belongings with our customizable Renters Insurance options.

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Renters Insurance Discounts & Savings
+It Costs Less Than You Think-It Costs Less Than You ThinkIt Costs Less Than You Think
For only a few dollars a month, Renters Insurance from Safeco is a real value. Discounts are available if your apartment or the house you rent has a fire alarm, sprinkler system or a burglar alarm installed. Talk to your local independent agent about how to save on your renters insurance policy based on your individual situation.
+Multiple Policy Discount-Multiple Policy DiscountMultiple Policy Discount
Combine your Renters Insurance with another Safeco policy like Car, Motorcycle or Boat for significant savings on the cost your Renters policy.
+Choose a Higher Deductible-Choose a Higher DeductibleChoose a Higher Deductible
A higher deductible will lower how much you pay for renters insurance by shifting part of a loss payment to you. For example, if you have a $500 deductible, you’ll pay the first $500 of a loss out of your own pocket. A higher deductible will lower your renters insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.
+Pay Your Bill in Full-Pay Your Bill in FullPay Your Bill in Full
If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.
Frequently Asked Questions
+What is renters insurance?-What is renters insurance?What is renters insurance?
Renters insurance protects your belonging from damage and theft. It also protects you in certain types of liability cases, like if you’re held legally responsible for injuries to another person while they’re visiting your apartment or the house you rent.
+Does renters insurance pay my rent if I can't on some months?-Does renters insurance pay my rent if I can't on some months?Does renters insurance pay my rent if I can't on some months?
Renters insurance does not pay your rent. However, it may cover expenses related to temporary housing if you can’t live in your building while it’s being rebuilt or repaired after being damaged.
+Doesn't renters insurance cost a lot?-Doesn't renters insurance cost a lot?Doesn't renters insurance cost a lot?
It usually costs a few dollars a month. It could cost a lot more to replace all of your stuff without the protection of a renters insurance policy.
+Is my landlord responsible for insuring my apartment?-Is my landlord responsible for insuring my apartment?Is my landlord responsible for insuring my apartment?
Your landlord is responsible for insuring the building, but not your personal belongings inside it.
+What if my luggage gets stolen while I'm on vacation?-What if my luggage gets stolen while I'm on vacation?What if my luggage gets stolen while I'm on vacation?
Your things are protected when they’re at home or with you anywhere in the world.

Find a Local Independent Agent
A local independent Safeco agent can help you discover the Renters Insurance coverage you need to fit your unique situation.