Renters Insurance Blog 2026

Full NAIC official data – see which states pay the most and least for renters coverage in 2026.

Standard renters insurance covers 4 things: personal property, liability, ALE, and medical payments.
Flood damage, earthquake, and gradual water leaks are NOT covered by standard policies.
Most policies have sub-limits for jewelry ($1,500), firearms ($2,500), and cash ($500).
You can add riders for flood, earthquake, replacement cost, and scheduled personal property.
Roommate's belongings are NOT covered — they need their own policy.

Learn how to calculate the right coverage amount for your belongings with our free tool.

Most one-bedroom apartments need $20,000–$30,000 in personal property coverage.
Replacement Cost pays for new items; ACV pays depreciated value (save ~10-15% with ACV).
Jewelry, firearms, and cash have sub-limits — schedule them separately if needed.
Inventory every room: bedroom ($3K-$7K), living room ($1.5K-$4K), kitchen ($800-$2K).
Use our free Personal Property Coverage Calculator to get your exact number.

How much extra does a dog or cat add to your premium? Breed restrictions explained.

Compare $250, $500, $1,000 and $2,500 deductibles to find your optimal balance.

Stack these 9 discounts to save 15%–35% on your renters insurance premium.

Off-campus students are at risk. Learn when parents' policies cover you and when they don't.

A clear breakdown of covered events, exclusions, and optional riders you should consider.

Moving cross-country? See how your premium will change and how to avoid a coverage gap.