Best Renters Insurance 2026
by Anonymous
Renters insurance protects your personal belongings from theft, fire, and other covered perils while also providing liability coverage. Most policies cost between $10-20 per month and cover far more than most renters realize. Landlord policies only cover the building structure, not your possessions. Additional coverage for high-value items like jewelry or electronics may require scheduled riders.
Lemonade
$5–$15
average monthly premium
$10K–$250K
personal property coverage
$100K–$500K
liability coverage
AI-powered, seconds
claims process
Yes, standard
replacement cost
Yes, with auto
bundle discount
State Farm
$12–$20
average monthly premium
$15K–$500K
personal property coverage
$100K–$500K
liability coverage
Agent or app
claims process
Yes, optional
replacement cost
Yes, up to 17%
bundle discount
Toggle (Farmers)
$5–$18
average monthly premium
$10K–$100K
personal property coverage
$100K–$300K
liability coverage
App or phone
claims process
Yes, optional
replacement cost
Yes, with Farmers
bundle discount
USAA
$8–$15
average monthly premium
$15K–$300K
personal property coverage
$100K–$500K
liability coverage
App, phone, or online
claims process
Yes, standard
replacement cost
Yes, with auto
bundle discount
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