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Renters insurance

What is renters insurance?

If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a certain amount of renters coverage as part of your lease agreement. Typically, your landlord’s policy won’t help if your belongings are stolen or damaged. For that you need renters insurance.

Let us customize a policy that protects you from these risks and suits your lifestyle and budget.

Here are 3 simple ways to get a renters insurance quote:
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Why you need renters insurance

Protect your property

Your landlord’s insurance policy isn’t enough. It most likely ONLY covers the building you live in. Not your personal belongings.

Protect yourself and others

If someone gets hurt in your apartment, guess who might be held responsible. Yes. You. Apartment insurance offers liability coverage to protect you.

Ensure you have somewhere to live

If the home you reside in gets damaged and you can’t live there, you could have to pay for temporary housing.

How much does renters insurance cost?

The average cost of renters insurance varies depending on what kind of coverage and deductible you select, but can cost as little as $20 a month with Nationwide. Other factors that can affect your rate include:
  • The city, state, or neighborhood where you rent
  • The condition, age, and size of your building
  • The value of your possessions

What does renters insurance cover?

Nationwide offers renters insurance coverage including:
  • Covering your belongings
  • Personal liability
  • Medical and liability
  • Loss of use

You can also save on your policy by bundling your renters insurance with another policy, or by exploring renters insurance discounts available from Nationwide.

Renters coverage and discounts

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What we cover

Find out how a renters policy protects you & your stuff.

Standard & optional coverages
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Brand New Belongings®

Get help repairing or replacing what you own.1

Get Brand New Belongings
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Renters discounts

Making renters insurance more affordable.

How you can save

Bundle & save

Combine auto, home and life to save time and money.

Get a multi-policy discount

Manage your policies online

Get ID cards & policy documents, change your coverages, make payments or manage a claim.

Learn about our self-services

Superior claims service

In times of need, we stand by you.

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Start a property claim

Claims FAQ

Related topics & resources

How much is a renters policy?
Does renters insurance cover theft?
Renters insurance by state
Renters insurance FAQ
Resources for renters

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

1Brand New Belongings is an optional feature. Exclusions and limits apply. Damaged items may be repaired in some cases. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages. Subject to underwriting guidelines, review, and approval.