Even if renters insurance is not required by your landlord, having renters insurance is a low-cost way to protect you from unexpected expenses like damage to possessions and legal liability.

See Is Renters Insurance Worth It? to learn more.

Landlords can require tenants to carry renters insurance as long as it is specified in the lease and required of all tenants who live in the rental property. Renters insurance is not required by law, but a tenant with coverage can benefit both the landlord and the renter.

See Can Landlords Require Renters Insurance? to learn more.

For the lowest coverage package, renters insurance can be as low as $8.33/month. Your cost will vary depending on the coverage limits and deductible that you select, as well as property type among other factors. Renters insurance offered through Zillow Insurance Services provides a variety of coverage and deductible options so you can get the coverage you want at the price that’s right for you. To start a quote, please visit Homesite's quote & sales website.

Availability and eligibility requirements vary by state, policy type, policy terms, and underwriting company. Payment plans, electronic communications, additional endorsements, and credits are subject to availability and qualification. Please refer to your policy contract (including any endorsements) for your rights and duties as a policyholder.

When determining how much coverage you need, consider how much it would cost to replace all of your belongings if your apartment is destroyed by fire or another disaster. Creating an inventory of your personal property can help you assess how much coverage you need, and also make filing a claim easier if you experience a loss. 

The National Association of Insurance Commissioners has created a free app to help you categorize your personal property and store receipts and other documentation for easy retrieval. The NAIC Home Inventory app is available for both Android and IOS systems.

Personal liability coverage is designed to protect your assets if you injure another person or damage their property. When selecting your personal liability limit, consider your risk of financial loss if you were to be held liable for causing personal injury or property damage to another person.

Availability and eligibility requirements vary by state, policy type, policy terms, and underwriting company. Payment plans, electronic communications, additional endorsements, and credits are subject to availability and qualification. Please refer to your policy contract (including any endorsements) for your rights and duties as a policyholder.

You can get a quote online in minutes through Zillow Insurance Services by providing just a few pieces of information and selecting your coverage limits.

The information asked for is:

• Rental property address
• Renters policy start date
• First and last name
• Date of birth
• Email
• Phone (optional)

To start a quote, please visit Homesite's quote & sales website.

Renters insurance can be purchased online at Homesite's quote & sales website. If you prefer to speak to an agent, Homesite’s experienced sales agents may be reached at 1-833-854-1189.

Homesite provides a number of payment options and plans, including Full Pay or a monthly payment plan. There is also the option of enrolling in convenient automatic payments so you don’t have to worry about forgetting to make a payment.

Availability and eligibility requirements vary by state, policy type, policy terms, and underwriting company. Payment plans, electronic communications, additional endorsements, and credits are subject to availability and qualification. Please refer to your policy contract (including any endorsements) for your rights and duties as a policyholder.

Your landlord is responsible for insuring the building and grounds against damage or loss. Unfortunately, this does not include your personal belongings, personal liability, or a place to live if your rental becomes uninhabitable. See What Does Renters Insurance Cover? for additional details on coverage.

Availability and eligibility requirements vary by state, policy type, policy terms, and underwriting company. Payment plans, electronic communications, additional endorsements, and credits are subject to availability and qualification. Please refer to your policy contract (including any endorsements) for your rights and duties as a policyholder.