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Last updated November 2025

2025’s Best Apartment Renters Insurance Plans

We have helped 100,000+ people select the ideal renters insurance policy for their apartment, home, or college dorm room.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Trusted by landlords, property managers, universities, HOAs, & real estate agents
The swiftest renters insurance
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$11.50/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Liberty Mutual has the best all-around renters insurance policy at competitive rates. Bundle with car and/or pet insurance and save up to 20%
  • In the event of a covered loss, Liberty Mutual covers the repairs or replacement of damaged items with a brand new item
  • Founded in 1912 and underwritten by Liberty Mutual Insurance Company
  • Call 844-644-4275 if you would like to get a quote via a licensed agent
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Best Price Guaranteed
1

418,159 people ranked Liberty Mutual as 4.8 on

Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$9.84/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Lemonade offers affordable renters insurance that utilizes AI to process claims quickly, often within minutes
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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Best Price Guaranteed
1

79,253 people ranked Lemonade as 4.9 on

Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$12.58/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • State Farm covers your stuff — like computers, TVs, electronics, bicycles, furniture, and clothing
  • They are the largest insurance company for property and casualty insurance in the US with a network of 19,000 agents nationally
  • Founded in 1922 and underwritten by State Farm Fire and Casualty Company
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Best Price Guaranteed
1
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$12.83/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • USAA renters insurance is unique in several ways, particularly due to its focus on serving military members and their families
  • USAA covers most of your personal property, however, they do not cover damage caused by pets or insects
  • Founded in 1922 and underwritten by United Services Automobile Association (USAA)
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Best Price Guaranteed
1
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$13.80/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Farmers renters insurance (like all the others on our list) covers your personal property and liability while you’re renting a home or apartment
  • Farmers offers bundling discounts if you add multiple lines of insurance
  • Founded in 1928 and underwritten by Farmers Insurance Exchange
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Best Price Guaranteed
1
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$18.01/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Bundle renters insurance and save an average of 3% on auto insurance
  • Progressive covers your belongings whether they’re in your apartment, backseat, or storage locker
  • Founded in 1937 and underwritten by Progressive Casualty Insurance Company
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Best Price Guaranteed
1
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$23.01/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Allstate offers a money-back guarantee if you are not satisfied with the claims process
  • They have a large network of agents, providing personalized service and local support
  • Founded in 1931 and underwritten by Allstate Fire and Casualty Insurance Company
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Best Price Guaranteed
1
Standard Plan Cost
Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code. Learn more at the end of this page.
$11.50/mo
Property Coverage
$15,000
Liability Coverage
$100,000
  • Liberty Mutual has the best all-around renters insurance policy at competitive rates. Bundle with car and/or pet insurance and save up to 20%
  • In the event of a covered loss, Liberty Mutual covers the repairs or replacement of damaged items with a brand new item
  • Founded in 1912 and underwritten by Liberty Mutual Insurance Company
  • Call 844-644-4275 if you would like to get a quote via a licensed agent
See Plans
Best Price Guaranteed
Best Overall

Ranking Methodology

We ranked more than 7 of the best renters insurance policies based on a variety of important factors including the following:

  • Average monthly premium price for $15,000 in property coverage, $100,000 liability coverage for an apartment building resident living in 90210 zip code
  • Coverage and benefits
  • AM Best rating of the underwriter
  • Key policy details including claims satisfaction, user experience of app (if applicable), and flexibility of coverage as well as other factors
  • Ease of sign up
  • Policy language clarity
  • User reviews
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