Renters insurance, explained for the place you actually live.
What it costs in your state, whether your landlord can make you buy it, what it really covers, and how to get a policy in about five minutes. Written by a renter, not an insurer.
Free quote from Lemonade in about 5 minutes. Most renters pay $14–$23 a month. Or read your state's guide first
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Quote in about 5 minutes · Policy can start the same day · Written by a renter, not an insurer
The three questions every renter asks first
How much is renters insurance?
Most renters pay $12–$25 a month. The price depends on how much you insure, your liability limit, your deductible and your ZIP code.
Read the full answerIs renters insurance required?
No state requires it by law, but a landlord can make it a lease condition, and many large property managers do.
Read the full answerWhat does it cover?
Your belongings (fire, theft, burst pipes), your liability if someone is hurt, and hotel costs if you have to move out. Not flood, not earthquakes.
Read the full answerFind your state
Average monthly cost, the law, and the local risks a standard policy does and doesn't cover. Covering every state and DC.
- Alabama$30/mo
- Alaska$23/mo
- Arizona$28/mo
- Arkansas$35/mo
- California$15/mo
- Colorado$24/mo
- Connecticut$18/mo
- Delaware$19/mo
- Florida$13/mo
- Georgia$18/mo
- Hawaii$23/mo
- Idaho$20/mo
- Illinois$23/mo
- Indiana$24/mo
- Iowa$21/mo
- Kansas$25/mo
- Kentucky$24/mo
- Louisiana$36/mo
- Maine$17/mo
- Maryland$23/mo
- Massachusetts$18/mo
- Michigan$30/mo
- Minnesota$20/mo
- Mississippi$32/mo
- Missouri$28/mo
- Montana$16/mo
- Nebraska$22/mo
- Nevada$21/mo
- New Hampshire$17/mo
- New Jersey$18/mo
- New Mexico$21/mo
- New York$11/mo
- North Carolina$15/mo
- North Dakota$17/mo
- Ohio$28/mo
- Oklahoma$31/mo
- Oregon$21/mo
- Pennsylvania$12/mo
- Rhode Island$20/mo
- South Carolina$21/mo
- South Dakota$21/mo
- Tennessee$24/mo
- Texas$14/mo
- Utah$24/mo
- Vermont$17/mo
- Virginia$20/mo
- Washington$17/mo
- Washington, DC$21/mo
- West Virginia$19/mo
- Wisconsin$19/mo
- Wyoming$16/mo
Start with the basics
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Why I built AptCover
I'm Venkata Nagireddi. I moved to the United States as an immigrant and have rented homes here for more than ten years. I learned renters insurance the hard way: confusing policies when buying, not knowing what was covered, and claims that were harder than they should have been. This site is the guide I wish I'd had.
Read more about AptCover