Renters insurance.
21,732 independent agencies across the country are licensed to write renters insurance. Tell us what you need once and we route your request to a licensed independent agent who can compare apartment coverage from multiple carriers — not just one.
What renters insurance can cover
- Personal property
- Personal liability
- Loss of use (hotel, meals)
- Guest medical payments
- Scheduled items (jewelry, bikes, instruments)
- Water backup (where offered)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Renters insurance by state.
Pick your state to see local independent agencies and request quotes.
Do you need flood insurance?
Flood isn't covered by homeowners insurance. Here's how to think about your flood risk and where coverage comes from.
Read the guide →Frequently asked questions
Doesn't my landlord's insurance cover me?
No — the building owner's policy covers the structure. Your belongings, your liability, and your displacement costs are yours to insure.
Can roommates share one policy?
It depends on the carrier and how the lease is written. An agent can tell you what's allowed and what's smart.
Does it cover theft outside my apartment?
Personal property coverage often extends to belongings away from home, subject to limits. An agent can confirm specifics by carrier.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.