Renters Insurance
Affordable protection for your belongings and liability—starting as low as $12-20/month. Your landlord's insurance doesn't cover your stuff. Don't risk losing everything.
Why Renters Need Insurance
Many renters assume their landlord's insurance covers them—it doesn't. Your landlord's policy covers the building structure, not your personal belongings or liability. If there's a fire, theft, or water damage, you're on your own without renters insurance. For less than the cost of a pizza each month, you can protect everything you own.
Without Renters Insurance
- • Fire destroys everything → You pay to replace it all
- • Theft → You lose your belongings with no reimbursement
- • Guest injured in your apartment → You're personally liable
- • Water leak damages neighbor's unit → You pay for their repairs
- • Tornado damages building → You lose everything, no help
With Renters Insurance
- • Fire → Insurance replaces your belongings
- • Theft → Get reimbursed for stolen items
- • Guest injured → Liability coverage protects you
- • Water leak damages neighbor → Insurance pays
- • Tornado → Covers belongings + temporary housing
What's Covered
Personal Property
Covers your belongings against fire, theft, vandalism, water damage, and more. Includes:
- • Furniture and appliances
- • Electronics (TV, computer, phone)
- • Clothing and shoes
- • Jewelry and watches
- • Kitchen items and cookware
- • Sports equipment
- • Books and collectibles
- • Even items in your car!
Liability Protection
Protects you if someone is injured in your apartment or if you accidentally damage someone else's property. Covers medical bills, legal fees, and settlements up to your policy limit (typically $100,000-$300,000).
Additional Living Expenses
If your apartment becomes uninhabitable (fire, tornado, etc.), your policy pays for temporary housing, meals, and other living expenses while repairs are made. This can save you thousands.
Medical Payments to Others
If a guest is injured in your apartment (slip and fall, dog bite, etc.), this coverage pays their medical bills regardless of fault—typically $1,000-$5,000 per incident.
Alabama Renters Insurance Costs
Basic
- • $15,000 personal property
- • $100,000 liability
- • $1,000 medical payments
- • $500-1,000 deductible
Standard
- • $30,000 personal property
- • $300,000 liability
- • $5,000 medical payments
- • $500 deductible
Enhanced
- • $50,000 personal property
- • $500,000 liability
- • $5,000 medical payments
- • $250 deductible
- • Replacement cost coverage
Save Money by Bundling
Bundle renters insurance with your auto insurance and save 10-25% on both policies. Many of our clients pay just $10-15/month for renters insurance after bundling discounts.
Real Alabama Renter Scenarios
Birmingham Apartment Fire
Kitchen fire destroyed renter's belongings. Without insurance, would have lost $25,000 worth of furniture, electronics, and clothing. Renters insurance paid full replacement cost and covered 2 months of hotel stay while apartment was repaired.
Tuscaloosa Theft
Apartment broken into while renter was at work. Thieves stole laptop ($1,200), TV ($800), jewelry ($2,500), and gaming console ($500). Renters insurance reimbursed $5,000 total after $500 deductible.
Huntsville Water Damage
Upstairs neighbor's washing machine leaked, flooding renter's apartment below. Damaged furniture, ruined electronics, and destroyed clothing. Liability coverage paid for damages while neighbor's insurance was sorted out.
Protect Your Belongings for Less Than $1/Day
Don't risk losing everything. Get a free renters insurance quote in minutes.
Ready to Save on Insurance?
Get your free, no-obligation quote in minutes. Compare rates from 50+ carriers and find the best coverage for your needs.
⭐ 4.9/5 rating • 160+ reviews • No obligation • Free comparison