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Renters Insurance

Your landlord’s insurance may cover the building, but renters insurance protects you, your belongings, and your finances from covered losses and liability exposures.



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Protect what’s yours.

With renters policies averaging about $1 per day, protecting what’s yours may cost less than you think. Connect with an Alfa® agent for a personalized quote.

What can Renters insurance cover?

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Your Belongings

Personal property coverage can help repair or replace furniture, electronics, clothing, and other belongings after a covered loss.

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Temporary Living Expenses

Loss of use coverage can help pay for living expenses, such as a hotel room, if your rental becomes uninhabitable after a covered loss.

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Injuries & Damages

Personal liability and medical payments coverage may protect you financially if someone is injured or property is damaged at your rental.

What can Renters insurance cover?

a blue outline of a couch

Your Belongings

Personal property coverage can help repair or replace furniture, electronics, clothing, and other belongings after a covered loss.

blue outline of a hand holding a house

Temporary Living Expenses

Loss of use coverage can help pay for living expenses, such as a hotel room, if your rental becomes uninhabitable after a covered loss.

blue outline of a first aid kit

Injuries & Damages

Personal liability and medical payments coverage may protect you financially if someone is injured or property is damaged at your rental.

View All Renters Insurance Coverages



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How much does renters insurance cost?

 

Renters insurance can be an affordable way to protect your belongings and finances. Premiums depend on factors such as your location, claims history, coverage choices, limits, deductible, and other policy details.




Renters Insurance FAQs

Renters insurance helps protect you and your property from covered losses, but some situations may not be covered. These are some common exclusions:
 
  • The building: Your landlord’s insurance generally covers the building, not your belongings or liability.
  • Roommate’s property: Your policy does not cover a roommate’s belongings or financial interests.
  • Flooding: Flood damage typically requires separate flood insurance for renters and landlords.
Coverage varies by policy.

An Alfa agent can help explain your coverage and answer any questions you may have.

No, your landlord’s insurance is intended to protect the property they own, not you as the renter. Renters insurance provides separate protection for your personal belongings and can include personal liability coverage and other benefits in the event of a covered loss.

The amount of renters insurance you need depends on the value of your belongings, your liability needs, and the coverage limits you choose. Taking an inventory of what you own can help you estimate how much personal property coverage you may need.

An Alfa agent can help you review your options and choose coverage that fits your situation.



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*Some exclusions apply. All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.

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