How we research and update our guides

Renters insurance decisions involve real money, so we hold every page to a few simple rules.

We cite what we state

Every average cost, legal requirement and coverage rule comes from a source we opened and read, and each page lists its sources at the bottom. We prefer, in order: state insurance departments and laws, insurers' own policy documents and pages, and published rate studies from independent publishers.

We don't guess

If we can't verify a number, we leave it out or describe it as a typical range. We don't invent statistics, laws, company policies or customer stories.

Averages are a guide, not a quote

Rate studies use different sample policies, so two sources can give different averages for the same state. We name the source next to each figure. Your own price depends on your address, coverage amounts, deductible and history.

We update pages

Each page shows the date it was last updated. We review cost figures when major rate studies are republished, and update pages when laws or insurer availability change.

Who writes AptCover

AptCover is written and edited by Venkata Nagredi, a renter of more than ten years. Read why he started the site.

Independence

We earn money through affiliate links, explained in our affiliate disclosure. Partners don't see or approve content before it's published.

Corrections

Found something wrong? Tell us which page and which fact, with a source if you have one. We correct verified errors and update the page date.