Renters Insurance

Renters Insurance
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Get a renters insurance quote from The Hartford to protect your personal belongings.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

What Is Renters Insurance?

If you’re renting an apartment, condo or home, you’ll need to protect yourself and your personal belongings. Even though you don’t own the space, you still face many risks, like theft, fire or storm damages. That’s where renters insurance through the AARP® Homeowners Insurance Program from The Hartford1 can help.
We know you have unique needs, and we’ll work with you to customize your renters insurance policy. Plus, as an AARP member, you can take advantage of special renters insurance discounts to lower your rate. Take the steps to protect your belongings and get a renters insurance quote today.

Why Get Renters Insurance?

As a renter, your landlord insures the physical structure of your apartment, condo or home. But that doesn’t protect your belongings inside the rental. If you rent from a homeowner, your belongings won’t be covered under their landlord insurance policy. That’s why renters insurance is important to have, so you can fix or replace your belongings if they get damaged from a covered loss, like:
  • Fire and smoke damage
  • Theft or burglary
  • Vandalism
It’s important to know what kind of damage and events your renters insurance policy covers. Your policy will tell you what’s excluded from coverage. If you need additional coverage, you can get a special personal property coverage endorsement. This will slightly increase your premium, but it extends your protection to include losses not typically covered in a standard renters insurance policy.

What Does Renters Insurance Cover?

AARP renters insurance Your renters insurance coverage can help you in several ways. Your standard policy includes different types of coverage, such as:

'New for Old' Protection

Our “New for Old” protection replaces your covered possessions with new items of equal quality, regardless of their age or condition.

Built-In Improvements

Your policy covers any built-in improvements you’ve made to your rental, such as bookshelves or wallpaper, for up to 10% of your personal property coverage. So, if you have $15,000 in personal property coverage, your policy could cover up to $1,500 in damages to your built-in improvements.

Living Expenses

If a covered loss prevents you from living in your rental, your insurance policy can help cover your living expenses, such as hotel fees or food costs. Your renters insurance covers these expenses up to an additional 20% of your personal property coverage. For example, your $15,000 policy can cover up to $3,000 of living expenses.

Liability Claims

If you’re legally liable for the accidental death or injury of another person at your rental, your renters insurance has liability coverage, which may help pay for costs up to your policy limit. Even if you’re not legally responsible, your insurance policy can help pay for your defense costs.

Medical Payments

Your renters insurance can help pay for someone’s medical bills if they get hurt in your rental. This coverage applies no matter who’s at fault.2

Property Damage

If you or a family member damage someone else’s property, your renters insurance can cover up to $1,000 to fix or replace it.

What’s Not Covered by Renters Insurance?

Your renters insurance doesn’t cover certain natural disasters, such as floods or earthquakes. To protect your belongings from this type of damage, you’ll need to buy a separate policy, like flood insurance.
Even though your renters insurance doesn’t cover flooding caused by weather, it does cover water damage from a leak in your rental or a connecting unit. To make sure you have enough coverage, or if you need flood or earthquake insurance, you can reach our specialists at 888-413-8970.

How Much Does Renters Insurance Cost?

According to the Insurance Information Institute, the average renters insurance premium in 2019 was $174.3 Remember, your renters insurance cost is unique to you, so you could have a cost that’s higher or lower than the average.
Insurance companies look at many factors when determining renters insurance rates, such as:
  • Location
  • Estimated value of your personal items
If your rental is in a neighborhood with a history of less claims, your renters insurance policy may be lower than the average. If you’re renting an apartment that’s more inland, your renters insurance cost will likely be lower than if you lived in a waterfront unit.

Ways to Save on AARP Renters Insurance From The Hartford

The Hartford makes it easy for you to customize your renters insurance policy to fit your needs. Our team can help you find the right coverage at the right price. They can also find any renters insurance savings or credits to lower your rates, such as:
  • Bundling your auto and renters insurance policies.
  • 24-hour security service credit if your rental is located within a gated or fenced complex or a locked building that is protected 24 hours a day by uniformed guards at entrances and exits.

Get a Quote for AARP Renters Insurance From The Hartford

What is renters insurance The Hartford can help you get the right renters coverages at the right price. We’re an insurance company with over 200 years of experience. And The Hartford has the only national auto and home insurance program that’s endorsed by AARP. Our goal is to get your life back in order as quickly as possible after a claim. Our claims team is available 24/7 and includes some of the most knowledgeable and caring specialists in the business.
Get a renters insurance quote today or call 888-413-8970 and speak with one of our specialists.

Common Questions About Renters Insurance

Can a Landlord Require Me To Carry Renters Insurance?

Yes, it’s legal for your landlord to require you to carry renters insurance before you sign a lease. You’ll likely have to show proof of insurance if you renew your lease to show your landlord you still have coverage.

How Do I Know How Much Renters Insurance Coverage I Need?

There’s no easy answer to how much renters insurance coverage you’ll need. That’s because everyone is different and your coverage needs depend on various factors. A good rule of thumb is to think about how much it’d cost to replace your belongings if you lost everything. This can give you a good idea of how much renters insurance coverage you’ll need.

How Quickly Can I Get Renters Insurance?

You can get a renters insurance policy the next day after you get your quote. And getting one is fast and easy. After reviewing your coverage limits, your policy can go into effect shortly after signing the paperwork and paying your premium.

How Do I File a Renters Insurance Claim?

You can file a renters insurance claim through our online portal or by calling our 24/7 claims team.
Last Updated: March 16, 2023
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
3 Insurance Information Institute (III), “Facts + Statistics: Renters insurance”
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
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Bundle Your AARP Insurance Coverages

You can get great rates and coverage when you bundle insurance policies through the AARP Auto and Home Insurance Program from The Hartford.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.