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Renters Insurance You Can Save On

Affordable renters insurance coverage for around $12 per month.[1]

Already have a policy? Call 800-640-2920 so we can help you.

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Who is renters insurance right for?

Renters insurance is right for all renters and there are many companies to choose from, but how do you choose the right one?

Wawanesa offers renters insurance that is tailored to you so that you can protect your personal belongings. Your landlord’s insurance covers only the building structure, so if your belongings were to get damaged due to fire or theft, you’d have to pay out of your own pocket to replace them.

No matter what type of place you call home — you can get rental insurance for a residence (apartment, condo, or house) where you reside and rent, to protect your belongings.

Learn more about the types of renters insurance coverage and let us help you find the right policy to keep your belongings safe in case of damage caused by a covered event.

Renters Insurance Coverage

Affordable Renters Insurance Coverage by Wawanesa

Wawanesa offers rental insurance for around $12 per month[1] that will:

  • Protect your personal belongings from damage caused by a covered event.
  • Pay for additional living expenses if you need to temporarily move out after a covered event.
  • Cover your personal liability (subject to policy limits) if someone is injured on the property or if you cause accidental damage to someone else’s property.
  • Provide coverage for any medical expenses incurred by others (up to the limits of the policy) if they get injured on the property.

Get a Renters Insurance Quote

Renters insurance couldn’t be easier to start when you get a quote online. Before you buy a policy, you’ll get a chance to choose your coverage limits and deductibles. If you own special items of value such as jewelry, artwork, coins, or expensive photographic equipment, for example, you can purchase extended coverage to protect these items.

You can even call us at 800-640-2920 to get same-day coverage!

Renters Insurance Discounts

Renters insurance discounts make an affordable renters insurance policy cost even less. If you have certain home protection devices installed, you’ll receive additional premium savings. 

Wawanesa offers renters insurance discounts on the following:

Residence Protection Device Discount

Your home must be equipped with a combination of smoke or fire alarms, deadbolt locks installed on all entry doors, fire extinguisher, or a burglar or fire alarm that directly reports to the Fire Dept., Police Dept., or Central Monitoring Station.

Gated Community or Secured Building Discount [2]

Your home must be in a gated community and protected by a 24-hour security guard station or located within a secured building where there is a locked main entrance before gaining access to your home.

Sprinkler Protection Discount [2]

There are two types of automatic sprinkler protection that will get you a discount:

  • Sprinklers can be “full” – located in all areas of the home, including bathrooms, attics, closets, and attached structures.
  • Sprinklers can be “partial” – located in certain areas of your home, for example the kitchen and/or living room.

Multi-Policy Discount [2]

Depending on your state, you could qualify for additional Wawanesa discounts like the multi-policy discount when you bundle your auto and renters insurance into one policy.

To maximize your premium savings, check out all of Wawanesa’s renters insurance discounts to make sure you’re getting everything that applies.

Renters Insurance Discounts

Types of Renters Insurance Options

A renters insurance policy gives you options. You get to decide how much coverage to buy based on the number of personal belongings you own and whether you're more comfortable with a lower or a higher deductible. If you happen to own belongings of higher value, you also have the option to buy extended coverage.

A basic renters insurance policy will cover:

Personal Property

Protects your belongings (clothes, books, electronics, furniture, etc.) from damage or theft.

Loss of Use

Helps pay for living expenses if you’re temporarily displaced due to a covered loss.

Personal Liability Protection

Helps pay and provides a legal defense for things like property damage, bodily injury or medical bills if you’re found liable.

Medical Payments to Others

Provides coverage for medical expenses if a visitor to your home is injured.

Optional Coverages

The below can be added to your renters insurance policy for an additional cost.

Increased Limits

If you own items of a higher value, for example, sports equipment, jewelry, furs, paintings, firearms, silverware, goldware, etc., extended coverage limits are available.

Earthquake Coverage

Covers damage to certain items of personal property caused by an earthquake. Please note, earthquake coverage is subject to a special deductible.

Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money

This coverage increases your liability limits for losses if:

  • Someone steals or uses your credit or debit card without authorization
  • You get passed a forged check or counterfeit bills

Business Pursuits

This coverage protects certain business activities of the policyholder, with rates varying depending on the business activity. However, sole proprietorships or business partnerships are not eligible for this coverage.

Learn more about the ways to customize your renters insurance with the various optional coverages offered by Wawanesa.

Renters Insurance Coverage

Understand Your Renters Insurance Coverage

The renters insurance policy consists of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are terms commonly used in renters insurance.


The protections and benefits provided to you by the insurance policy, subject to limitations and exclusions.


The maximum amount of financial protection available for a specific coverage, subject to limitations.

Increased limits

When the limit of liability afforded under the policy is increased and can be purchased for an additional premium.


A contract between you and your insurance company.


The amount charged by the insurance company to the policyholder for the insurance policy.


The amount of the loss that the policyholder is responsible to pay up-front before covered benefits from the insurance company are paid out.

Personal Property

The items you own that you can insure — your furniture, clothes, books, equipment, sporting goods, jewelry, electronics, etc.

Loss of Use

Coverage that helps pay for additional living expenses if you have to temporarily relocate due to a covered incident.

Personal Liability Coverage

Helps protect you if someone brings a claim or lawsuit against you for injury or loss of personal property.

Effective Date

The date your renters insurance coverage begins. If a covered event happens before this date, it will not be covered by the policy.

Declaration page

Review this page and ensure everything is correct. Any errors could affect you when filing a claim. This policy contract summarizes important details like your premium, coverages, limits, deductibles, discounts, insured property, and more.

Find Your State’s Renters Insurance

Shopping for renters insurance is easy when you choose Wawanesa. Get a quick quote for coverage and enjoy:

  • Affordable coverage: You’ll be surprised to learn how much protection you can get for around $12 a month[1]
  • Protect your belongings with coverage that fits your budget
  • Extra savings when you apply all the available discounts

Renters insurance coverages vary from state to state. Learn more about the types of renters insurance coverage and let us help you find the right coverage.

Renters Insurance Frequently Asked Questions

Why should I buy my renters insurance from Wawanesa?
If you’re looking for renters insurance that offers affordable rates, same-day coverage, award-winning service, and 24/7 claim reporting, look no further.
How much renters insurance do I need?
The amount of renters insurance coverage you’ll need depends on the value and number of personal belongings you want to protect. The best way to figure out your coverage needs is to do a complete inventory of everything you own to establish its total value.
How much is renters insurance?
Renters insurance is the most affordable type of insurance offered. For around $12 per month, you can buy a Wawanesa 12-month renters insurance policy with a personal property liability limit of $15,000.[1]
How to get renters insurance?
It couldn’t be easier to start your renters insurance coverage. You can get a quote online or if you prefer, speak with one of our helpful agents by calling 800-640-2920.
Does renters insurance cover water damage?
Yes. Renters insurance covers your belongings if they get damaged or destroyed by a covered water event. For example, if a pipe bursts or a bathtub overflows in your building or home.

Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Renters Insurance FAQs


  1. Average premium cost of $12 per month for the states of California and Oregon, for a Wawanesa 12-month renters insurance policy for personal property liability limit of $15,000.
  2. Discount may not be offered in all states.

Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.

Get a Quote Today