Renters Insurance Estimator

Inventory your belongings, choose your coverage preferences, and get a personalized estimate with plan comparison.

Inventory Options Results

Personal Property Inventory

Estimate the total value of what you own. Think about what it would cost to replace everything.

Add a custom item

Total Estimated Value $0

Coverage Preferences

Choose the coverage options that best fit your needs and budget.

Coverage Type Replacement Cost pays to replace items at today's prices.

Actual Cash Value pays the depreciated value (what your used item is worth today). It's cheaper but pays less on claims.

Replacement Cost

Full cost to replace items new

Actual Cash Value

Depreciated value — lower premium

Liability Coverage Protects you if someone is injured in your rental or if you accidentally damage someone else's property. Higher limits are recommended if you host guests often.

$100,000 $300,000 Recommended $500,000

Additional Living Expenses (ALE) Covers temporary housing costs (hotel, food, etc.) if your rental becomes uninhabitable due to a covered event like fire or flood.

Yes, include ALE

Typically 20-40% of personal property coverage

Deductible The amount you pay out-of-pocket before insurance kicks in. A higher deductible means a lower monthly premium, but more cost if you file a claim.

$250 Higher premium $500 Most common $1,000 Lower premium

Total Property Value

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across — items

Recommended Coverage

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personal property

Est. Monthly Premium

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based on your selections

Annual Cost

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Items That May Need a Floater/Rider

Standard policies typically cap individual item payouts at $1,000–$1,500. These high-value items should be scheduled separately for full coverage:

Renters Insurance Estimator

Personal Property Inventory

Coverage Preferences

Items That May Need a Floater/Rider

Compare Plans

Your Coverage Breakdown