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Renters Insurance Coverage

Get an affordable renters insurance policy for around $12 per month.[1]

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

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What is renters insurance?

Renter’s insurance protects you as a tenant in a rented property for damage or theft of your personal property, loss of use if your residence is unlivable due to a covered loss (such as a kitchen fire or pipe burst), liability (subject to policy limits) if someone is injured on your property or if you cause accidental damage to someone else’s property, medical protection if a non-resident or guest gets injured at your residence, or if you accidently hurt someone outside of your residence.

What does renters insurance cover?

Renters insurance covers a surprising number of mishaps considering how low the rates can be. A renters insurance policy can cover your personal belongings from damage or theft, covers your liability (subject to policy limits) if a visitor is injured on the property, and can help pay for additional living expenses if you’re temporarily displaced due to a covered loss. Some coverages are included in a basic policy at no additional cost, while extended coverage limits are available for certain higher end items. Renters insurance can financially protect your belongings from damage or loss even if it occurs away from home.

Your personal belongings will be covered in the event of damage as a result of any of the following covered perils, unless the loss is excluded by the policy.

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Falling objects
  • Freezing
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Sudden and accidental damage from artificially generated electrical current
  • Volcanic eruption

How much is renters insurance?

Renters insurance premiums vary greatly. It all depends on your location, coverage amounts, and type of property you’re renting. In certain states, you can get a discount for bundling rental insurance with your auto policy. Typically, coverage is available for around $12 a month.[1]

For a more accurate rate, get a quote today.

Learn More About Renters Insurance

Find out more about coverage options, available discounts, and our 24/7 claims service. Get a free quote for same-day coverage to see just how affordable renters insurance can be.

Learn more about renters insurance coverage by visiting your state’s coverage page.

Find Your Local Renters Insurance

Shopping for renters insurance is easy when you choose Wawanesa. You’ll find coverage to fit your needs and your budget. Renters insurance coverage and discounts vary by state, so be sure to check what’s available in your area.

For more information on your local renters insurance get a quote online or call one of our helpful agents at 800-640-2920.

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Frequently Asked Questions About Renters Insurance

What is renters insurance?
Renters insurance is an affordable way for tenants to financially protect their belongings and gain peace of mind. When you’re insured with a surprisingly affordable policy, you know that if bad luck, bad weather, or any other misfortune comes your way, you and your belongings are covered.[2]
How much renters insurance coverage is needed?
The amount of coverage you’ll need depends on the value of your assets. You may not think you own much, but if you tally up your clothing, furniture, and electronics — just for starters — you may be surprised. An average premium for a 12-month policy with $15,000 of property protection will run you around $12 a month.[1] If you happen to own valuable jewelry, artwork, or expensive equipment of any sort, you can (and should) buy additional coverage.
Do I need renters insurance if I own a property?
If you own a property that you plan to rent out, you’ll need landlord’s insurance. This is not the same as renters insurance. Landlord insurance covers damage to the building and liability against tenants’ lawsuits, whereas renter’s insurance protects the tenant and their belongings For example, if a fire breaks out, a landlord’s policy will cover the landlord/property owner, while a renters insurance policy will protect the tenant if their belongings were damaged in the fire.
Who qualifies for renters insurance discounts?
If your apartment or the home you rent is equipped with certain safety and security features, you may qualify for discounts. To find out more about available discounts, check out the renters insurance discounts page.
How do I file a renters insurance claim?

It’s easy. You can file a claim 24/7 either online or by calling 888-WAWA-CLAIM (929-2252). A Wawanesa claims expert will be ready — however and whenever you get in touch, to get the claim process started for you.

How can I estimate the value of my property?
To estimate the value of all your possessions, you’ll need to do a complete inventory. Go room by room and take pictures of everything that is of value, such as a TV, computer, etc. Note the item description, serial/model numbers where applicable, and the location and date of purchase. Don’t forget to include the original cost of each item, estimated current value, and reference sales receipts for your most valuable items. This in-depth effort will be a good reference aid should you ever need to file a claim and will let you figure out the total value, so you can determine if you need to buy additional coverage.

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. Subject to policy conditions.

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.

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