{"id":323454,"date":"2025-11-13T16:10:26","date_gmt":"2025-11-13T21:10:26","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=113883"},"modified":"2025-11-14T08:36:18","modified_gmt":"2025-11-14T13:36:18","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/renters\/best\/","title":{"rendered":"The Best Renters Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Several leading renters insurers, including Auto-Owners, Travelers, USAA and <a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/financial-information\/financial-strength-ratings\">State Farm<\/a>, hold AM Best &#8220;Superior&#8221; category financial strength ratings (A+ or A++), signaling strong claims-paying ability.<\/li>\n\n\n\n<li>USAA remains a strong choice for eligible active duty, veterans and their families, with military-focused benefits and solid service marks in <a href=\"https:\/\/www.usnews.com\/insurance\/renters-insurance\/best-renters-insurance\">independent evaluations<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>In the same way that lenders require an active homeowners insurance policy to approve a mortgage, many rental agreements require the tenant to have an active renters insurance policy for financial protection. A landlord&#8217;s insurance will cover the building itself, but not the belongings of the renters who live there \u2013 it will also not cover liability or medical claims if someone is hurt or their property damaged in the apartment or rented home. Whether it is required by the landlord or not, it may be in your best interest to have a renters insurance policy in place to protect your finances in the event of a loss or liability incident. Note that standard renters policies typically exclude flood and earthquake; renters can consider contents-only flood coverage via the <a href=\"https:\/\/www.floodsmart.gov\/renters\">NFIP<\/a> and, where applicable, separate earthquake coverage options.<\/p>\n\n\n\n<p>We refreshed our evaluation for 2025 using pricing, coverage and endorsement breadth, financial strength, customer satisfaction, complaint experience, digital tools, and availability. Recent industry roundups commonly highlight leaders like State Farm, USAA (eligibility required), Amica, Erie, Nationwide, Travelers and digital-first Lemonade; check current-year satisfaction benchmarks from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power<\/a> and complaint indices from the <a href=\"https:\/\/content.naic.org\/consumer\/complaint-index\">NAIC<\/a> when comparing options.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"The 7 Best Renters Insurance Companies of 2021\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 7 Best Renters Insurance Companies of 2025<\/h2>\n\n\n\n<ul>\n<li><a href=\"#best1\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>: Best Renters Insurance for Discounts<\/li>\n\n\n\n<li><a href=\"#best2\" rel=\"nofollow\" class=\"achor-toggles\">Amica<\/a>: Best Renters Insurance for Optional Coverage<\/li>\n\n\n\n<li><a href=\"#best3\" rel=\"nofollow\" class=\"achor-toggles\">Hartford<\/a>: Best Renters Insurance for Digital Experience<\/li>\n\n\n\n<li><a href=\"#best4\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best Renters Insurance for Overall Satisfaction<\/li>\n\n\n\n<li><a href=\"#best5\" rel=\"nofollow\" class=\"achor-toggles\">Erie<\/a>: Best Renters Insurance for Unique Coverage<\/li>\n\n\n\n<li><a href=\"#best6\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a>: Best Renters Insurance for First-time Renters<\/li>\n\n\n\n<li><a href=\"#best7\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best Renters Insurance for Military-Focused Coverage<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Compare the Best Renters Insurance of 2021\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fe0bfaf7ed71\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Renters Insurance of 2021<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power Overall Satisfaction<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Amica<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> The Hartford<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>833<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>815<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fe0bfaf7ed71-7\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='7'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>893*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*USAA is not officially ranked due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a wide variety of generous renters insurance discounts that can help renters save money on their policy.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a wide variety of generous renters insurance discounts that can help renters save money on their policy.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts<\/li>\n                            <li>Superior financial strength ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Can\u2019t get a quote online<\/li>\n                                        <li>Coverage availability varies by state<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Favorable loss history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Quote in advance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renters Plus package (water backup, waterbed liability, glass deductible waiver, food spoilage)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal property replacement cost coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Auto-Owners Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Optional Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Amica<\/h2>\n\n\n                                                \n\n\n<section id=\"amica-renters-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica Renters Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Amica is rated above-average by J.D. Power for overall claim satisfaction, plus it\u2019s easy to file claims online through the customer portal.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.amica.com\/en\/products\/renters-insurance.html\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Amica is rated above-average by J.D. Power for overall claim satisfaction, plus it\u2019s easy to file claims online through the customer portal.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Several endorsements for customization<\/li>\n                            <li>Strong property claim satisfaction rating from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-property-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power<\/a><\/li>\n                            <li>Renters Essentials\u00ae bundle available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited online tools and resources<\/li>\n                                    <li>Not rated by J.D. Power for overall renters satisfaction<\/li>\n                                    <li>Not available in Hawaii or Alaska<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless statements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AutoPay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal property replacement cost coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart devices and computer coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity fraud coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Amica Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/amica-review\/\"><span style=\"font-weight: 400;\">Amica Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/amica-review\/\"><span style=\"font-weight: 400;\">Amica Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\"><span style=\"font-weight: 400;\">Amica Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Digital Experience\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Hartford<\/h2>\n\n\n                                                \n\n\n<section id=\"the-hartford-renters-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">The Hartford Renters Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Digital Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Of all the providers we reviewed, The Hartford offers the largest selection of optional coverages for enhanced protection and policy customization.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.thehartford.com\/aarp\/renters-insurance\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">The Hartford Renters Insurance Review<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Of all the providers we reviewed, The Hartford offers the largest selection of optional coverages for enhanced protection and policy customization.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Exceptional digital insurance experience score of 867\/1,000<\/li>\n                            <li>Abundant add-on coverages<\/li>\n                            <li>Informative website with renters resources<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must be an AARP member to get coverage in most states<\/li>\n                                        <li>Limited discounts<\/li>\n                                        <li>Have to pay extra for replacement cost coverage<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24-hour security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Policy renewal<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>ProtectorPLUS Zero Deductible Benefit<\/li>\n<li>Replacement cost coverage<\/li>\n<li>Valuable items blanket coverage<\/li>\n<li>Personal injury liability coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Equipment breakdown coverage<\/li>\n<li>Water backup coverage<\/li>\n<li>Identity fraud coverage<\/li>\n<li>Scheduled personal property coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More The Hartford Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/the-hartford-review\/\"><span style=\"font-weight: 400;\">The Hartford Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-hartford-review\/\"><span style=\"font-weight: 400;\">The Hartford Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/the-hartford-review\/\"><span style=\"font-weight: 400;\">The Hartford Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Retirees\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate-\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate <\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Retirees<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you are a retired renter over the age of 55, you can automatically save up to 25% on a renters insurance policy from Allstate. \r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=345989-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">833<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you are a retired renter over the age of 55, you can automatically save up to 25% on a renters insurance policy from Allstate. \r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Several endorsements available<\/li>\n                            <li>Savings for renters 55 and older and retired<\/li>\n                            <li>Online quotes available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Very few discounts<\/li>\n                                        <li>Below-average overall renters satisfaction scores from J.D. Power<\/li>\n                                        <li>Replacement cost coverage isn\u2019t standard<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retired renter<\/span><\/li>\n<li aria-level=\"1\">Easy Pay Plan<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal umbrella policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Unique Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie Insurance<\/h2>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Unique Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With coverage for home sharing and sewer and drain backup, Erie offers <a href=\"https:\/\/www.erieinsurance.com\/renters-insurance\/renters-insurance-coverage-explained\" rel=\"noopener\" target=\"_blank\">unique additional protections for renters<\/a>. For additional savings, renters can choose from one of three add-on coverage bundles. However, availability varies by state.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.erieinsurance.com\/renters-insurance\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With coverage for home sharing and sewer and drain backup, Erie offers <a href=\"https:\/\/www.erieinsurance.com\/renters-insurance\/renters-insurance-coverage-explained\" rel=\"noopener\" target=\"_blank\">unique additional protections for renters<\/a>. For additional savings, renters can choose from one of three add-on coverage bundles. However, availability varies by state.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Multiple coverage customization options<\/li>\n                            <li>Add on coverage bundle option<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Coverage and discounts not available in all states<\/li>\n                                        <li>No online quotes option<\/li>\n                                        <li>Must contact agent to file a claim<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Protective devices<\/li>\n<li>Advanced quote<\/li>\n<li>Age of the insured<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Sewer and drain backup<\/li>\n<li>Home sharing<\/li>\n<li>Earthquake<\/li>\n<li>Identity recovery<\/li>\n<li>Higher limits for trailers and watercraft<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Erie Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best6\" title=\"Best for First-time Renters\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travelers<\/h2>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for First-time Renters<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers lots of helpful online tools and resources, which may be especially helpful for first-time renters who need help deciding what type of coverage and how much is necessary.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/renters\/quotes\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">815<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers lots of helpful online tools and resources, which may be especially helpful for first-time renters who need help deciding what type of coverage and how much is necessary.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Some home improvements are covered after a loss<\/li>\n                            <li>Helpful FAQ section and online resources<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Few endorsements offered<\/li>\n                                        <li>Limited discount options<\/li>\n                                        <li>Below-average customer satisfaction score<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contents replacement cost coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuable items coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Travelers Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best7\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa-renters\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA Renters<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is one of the highest rated renters insurance companies (although not officially ranked by J.D. Power due to eligibility restrictions). It offers coverage to active duty and retired military members, plus their spouses and children. With policies designed to take into account the military lifestyle, those who qualify may find the insurer an ideal fit.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672712&#038;cr=27704&#038;last_updated=1594081728&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">893<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is one of the highest rated renters insurance companies (although not officially ranked by J.D. Power due to eligibility restrictions). It offers coverage to active duty and retired military members, plus their spouses and children. With policies designed to take into account the military lifestyle, those who qualify may find the insurer an ideal fit.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highest J.D. Power scores (Officially rank-ineligible)<\/li>\n                            <li>Flood and earthquake coverage standard with renters policies<\/li>\n                            <li>Renters policies include contents replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Eligibility restrictions apply<\/li>\n                                        <li>Fewer optional coverages than many competitors<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military base<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li>Technology coverage<\/li>\n<li>Valuable personal property coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"avg-cost\" title=\"The Average Cost of Renters Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Renters Insurance<\/h2>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/renters\/why-you-need-renters-insurance\/\">Renters insurance<\/a> covers your personal property inside your rental dwelling that is not part of the structure. For those who rent apartments or homes, the landlord&#8217;s policy covers damage to the building itself \u2014 but not to the belongings of those who live there in the event of a covered loss. Landlord insurance will also not cover liability costs if someone is injured in the rental unit. Renter&#8217;s insurance provides financial protection for these circumstances.<\/p>\n\n\n\n<p>According to the Insurance Information Institute (III), the average cost of renters insurance is <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-renters-insurance\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">$179 per year<\/a> (latest official benchmark from NAIC data), which works out to about $14 per month. Current market studies suggest typical costs roughly $170\u2013$215 per year ($14\u2013$18 per month) for common coverage limits, with many consumers in 2025 seeing about $190\u2013$220 as rates have firmed (<a href=\"https:\/\/www.valuepenguin.com\/renters-insurance\/average-cost-of-renters-insurance\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/renters-insurance\/how-much-is-renters-insurance\/\">Bankrate<\/a>). Like all types of insurance, renters premiums are customized: your state, ZIP code, insurance-based credit (in most states), claim history, the amount of coverage you buy, and your deductible all affect price.<\/p>\n\n\n\n<p>Renters insurance is significantly cheaper than home insurance, primarily because renters insurance offers no protection for the structure itself. Renters are only responsible for the personal property damage or liability incidents occurring inside the unit. The landlord will have a separate policy that provides coverage for the structure of the building, much like regular home insurance. That said, average premiums have edged higher since 2022 amid inflation and elevated catastrophe losses (<a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>; <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/sigma-2024-01-natural-catastrophes-2023.html\">Swiss Re Institute<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage\" title=\"What Renters Insurance Covers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">What Renters Insurance Covers<\/h2>\n\n\n\n<p>Renters insurance offers comprehensive coverage for many of the most common perils that a renter can face. Here are some of the things that renters insurance will cover:<\/p>\n\n\n\n<ul>\n<li><strong>Personal property coverage: <\/strong>Renters insurance provides coverage for your personal belongings, like clothing, furniture, and small appliances. It offers limited coverage for valuable items and electronics.<\/li>\n\n\n\n<li><strong>Liability coverage:<\/strong> If someone gets injured in your apartment or you accidentally damage someone else\u2019s property, renters insurance will typically provide financial protection for a qualifying incident, up to policy limits.<\/li>\n\n\n\n<li><strong>Medical payments coverage:<\/strong> Medical payments coverage helps pay for medical expenses if a guest is injured&nbsp; at your home, even if you are not responsible for causing the injury.<\/li>\n\n\n\n<li><strong>Additional living expense coverage:<\/strong> If your home gets damaged or destroyed in a covered peril and you have to move out during the course of repairs, additional living&nbsp; expenses (also called &#8220;loss of use&#8221;) will pay for things like a hotel, restaurant meals, or parking.<\/li>\n<\/ul>\n\n\n\n<p>Most renters insurance companies also offer optional coverages that you can purchase for an added fee. Common endorsements include scheduled personal property coverage, contents replacement cost coverage, identity theft\/personal cyber coverage, and water\/sewer backup; some carriers also market service line and equipment breakdown add-ons. See guidance from the <a href=\"https:\/\/www.iii.org\/article\/water-damage-and-insurance\">Insurance Information Institute<\/a> and the <a href=\"https:\/\/www.tdi.texas.gov\/consumer\/homeowners.html\">Texas Department of Insurance<\/a>, and an example of personal cyber coverage from <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/cyber-insurance\/\">Nationwide<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What renters insurance doesn\u2019t cover&nbsp;<\/h3>\n\n\n\n<p>Before you buy a policy or get renters insurance quotes, it may be helpful to know what your policy won\u2019t cover. Here\u2019s a list of perils that are typically not covered by a standard renters insurance policy:<\/p>\n\n\n\n<ul>\n<li>Flood damage<\/li>\n\n\n\n<li>Earthquake damage<\/li>\n\n\n\n<li>General wear and tear<\/li>\n\n\n\n<li>Pets and infestations<\/li>\n\n\n\n<li>Pet damage<\/li>\n\n\n\n<li>Your vehicle<\/li>\n\n\n\n<li>Your roommates\u2019 belongings<\/li>\n\n\n\n<li>The structure of the building<\/li>\n<\/ul>\n\n\n\n<p>Some insurers may include perils like flood or earthquake in a standard renters policy; check with your insurance agent to see exactly what\u2019s covered in your policy. Renters who need these risks can consider contents-only flood insurance through FEMA\u2019s <a href=\"https:\/\/www.floodsmart.gov\/renters\">NFIP<\/a> and, where available, earthquake coverage (for example, the <a href=\"https:\/\/www.earthquakeauthority.com\/Insurance-Options\/Renters\">California Earthquake Authority<\/a>). In coastal states, verify whether special wind or hurricane deductibles apply (<a href=\"https:\/\/www.ncdoi.gov\/consumers\/insurance-basics\/homeowners-insurance\/hurricane-deductibles\">learn more<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"how-to-pick\" title=\"How to Pick the Best Renters Insurance Company \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How to Pick the Best Renters Insurance Company&nbsp;<\/h2>\n\n\n\n<p>Dozens of insurance companies sell renters insurance, but the best company for you might not be the best option for your friend, or even your roommate. Compare at least three to four quotes for the same limits and deductible, verify financial strength (for example, via <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>), check current satisfaction benchmarks from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power<\/a>, and review complaint experience using the <a href=\"https:\/\/content.naic.org\/consumer\/complaint-index\">NAIC Complaint Index<\/a>.<\/p>\n\n\n<div id=\"block_60d4bc23168de\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Consider roommates<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">If you purchase a renters insurance policy, it will only cover your personal belongings. It doesn\u2019t extend coverage to your roommates, <\/span><span style=\"font-weight: 400;\">unless they are a direct relation like a sibling, and included\u00a0 on the policy as a named insured<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bc8a168df\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Replacing your belongings<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">With renters insurance, you will typically <\/span><span style=\"font-weight: 400;\">get reimbursed for items that get damaged or destroyed based on actual cash value (ACV) or replacement cost value (RCV). If you have an ACV policy, you will receive a check for the item\u2019s depreciated value. If you have an RCV policy, you will be compensated for the item\u2019s<\/span><span style=\"font-weight: 400;\"> full replacement cost value<\/span><span style=\"font-weight: 400;\">. If you want the highest payout after a covered claim, choose a renters insurance company that offers RCV policies, as either a standard option <\/span><span style=\"font-weight: 400;\">or an add-on.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bca1168e0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Pricing and budget<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Budget may also be a consideration when shopping for renters insurance. Get renters insurance quotes from multiple companies and compare them to see which offers the lowest price for the type and amount of coverage you need. Additionally, you may want to look for renters insurance companies that have several discounts you can take advantage of, which will help you save on your policy<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bcb8168e1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Pets<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">If you own a pet, you\u2019re responsible for their behavior, such as a dog or cat that causes damage to someone else\u2019s property. While looking at renters insurance as a pet owner, you may need to seek out companies that offer coverage for pet owners<\/span><span style=\"font-weight: 400;\">. Some insurance carriers have stricter underwriting standards for applicants who live with a dog or cat. <\/span><span style=\"font-weight: 400;\">It may also be wise to<\/span><span style=\"font-weight: 400;\"> consider purchasing higher liability coverage limits in case your pet causes damage or injures a guest.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Renters Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Renters Insurance FAQ<\/h2>\n\n\n<div id=\"block_61dc53c609d30\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is actual cash value (ACV) insurance enough to cover me adequately?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Actual cash value policies may not provide enough financial coverage to protect your interests. Depending on the age of your personal belongings and the cost to replace them with a new version, an ACV policy that takes depreciation into account for a payout may leave you with higher out-of-pocket costs. Replacement cost value policies do not depreciate the value of your personal property, meaning you will likely be able to replace damaged or stolen items at full replacement value with your insurance payout.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bd26168e4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which company has the best renters insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Each company varies in coverage options, discounts, and customer service, meaning the best fit for one renter will vary from another.<\/span><span style=\"font-weight: 400;\"> To find the best provider for you, take some time to shop around and compare renters insurance quotes.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bd47168e5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest rental insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Because renters insurance premiums are personalized, the cheapest rate for your situation will depend on which company you select, what discounts you qualify for, and your exact address.\u00a0 In addition, your rate may be impacted by your insurance-based credit rating and other factors. For this reason, experts recommend you get quotes from several different companies, to see who offers the best premium for your circumstances.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60d4bd5b168e6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is a good price for renters insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on the national average cost of renters insurance, you may expect to pay around $14 a month, according to the latest available data from the Insurance Information Institute. However, you might be able to pay less if you have a good credit score, have no prior insurance claims, and are able to take advantage of multiple discounts.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated renters insurance companies based on availability, customer satisfaction, financial stability, and coverage to create our best renters insurance reviews. To compare renters insurance companies with other providers across the board, we focused on the following:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a renters insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 <a href=\"https:\/\/content.naic.org\/consumer\/complaint-index\">National Complaint Index<\/a> and compared each renters insurance company\u2019s complaint rating.<\/li>\n\n\n\n<li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 Home Insurance Satisfaction Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a> ratings to assign a score based on each renters insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We scored each renters insurance carrier based on the number of discounts advertised on its website.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report In the same way that lenders require an active homeowners insurance policy to approve a mortgage, many rental agreements require the tenant to have an active renters insurance policy for financial protection. A landlord&#8217;s insurance will cover the building itself, but not the belongings of the renters who live there \u2013 it will [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358867,"parent":1772,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1273],"tags":[27620],"post_author":[14193],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Renters Insurance Companies of 2025 - Reviews.com<\/title>\n<meta name=\"description\" content=\"Review the best renters insurance companies and learn more about how renters insurance works before getting renters insurance quotes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/renters\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Renters Insurance Companies of 2025 - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Review the best renters insurance companies and learn more about how renters insurance works before getting renters insurance quotes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/renters\/best\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-14T13:36:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/12\/GettyImages-1198641526.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/renters\/best\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Renters\",\"item\":\"https:\/\/www.reviews.com\/insurance\/renters\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Renters Insurance Companies of 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Renters Insurance Companies of 2025 - Reviews.com","description":"Review the best renters insurance companies and learn more about how renters insurance works before getting renters insurance quotes.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/renters\/best\/","og_locale":"en_US","og_type":"article","og_title":"The Best Renters Insurance Companies of 2025 - Reviews.com","og_description":"Review the best renters insurance companies and learn more about how renters insurance works before getting renters insurance quotes.","og_url":"https:\/\/www.reviews.com\/insurance\/renters\/best\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","article_modified_time":"2025-11-14T13:36:18+00:00","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/12\/GettyImages-1198641526.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/renters\/best\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Renters","item":"https:\/\/www.reviews.com\/insurance\/renters\/"},{"@type":"ListItem","position":4,"name":"The Best Renters Insurance Companies of 2025"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323454"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323454"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323454\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/358867"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323454"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}