Insurance Claims About Resources Community Contact Us Search Sign In/Up Get an Estimate in Seconds CONTINUE RENTERS INSURANCE COVERAGE HomeInsuranceRentersCoverages Overview Renters 101 Coverages Diminishing Deductible Coverage Comparison Get a Quote Calculator Discounts Why Choose Us? Resources Renters Insurance Coverages You may not own your home, but your belongings transform your apartment into a place that’s uniquely yours. From electronics, to furniture, to décor, your belongings mean a lot to you and we're here to keep them protected. Odds are your landlord’s insurance won’t cover your stuff, and that’s where we come in. American Family renters insurance safeguards you from the unexpected. And because we know no two renters are alike, our customizable coverages help protect the things that matter most to you — giving you the confidence you need to stress less focus on your future. What does Renters Insurance Cover? Whether you rent a loft in your city’s downtown, or a duplex in an up-and-coming neighborhood, our protection can be customized to fit your unique lifestyle. Covered By Renters Insurance Your stuff, like clothes, furniture & electronics if damaged by fire, theft or covered water event Medical bills & lawsuit related expenses if an apartment guest is accidentally injured Hotel costs in case of unexpected covered event like fire or storm damage Theft of your stuff while you're on the go, like if your computer gets stolen at the coffee shop Not Covered By Renters Insurance Your roommate's stuff Pets, but we do have an add-on pet coverage Home businesses run from your rented space Over $1,500 in jewelry Learn more about what's covered by your base policy and what you may want to purchase additional coverage for. GO TO RENTERS COVERAGE GUIDE Standard Coverages Optional Coverages Standard Renters Insurance Coverages Renters Property Protection Because we know it's your stuff that makes your rental a home, our personal property coverage helps you with the costs of replacing your things should they be damaged by fire, theft, water damage and other covered losses. Renters Personal Liability Accidents happen. And, as a renter, you can be held responsible for injuries to guests or damage to your apartment building. Our liability coverage could help you pay for property damage, first aid, medical and court costs. Loss of Use Coverage Should your rental become uninhabitable due to a covered loss, our loss of use coverage will help you pay for additional living expenses — such as food or a hotel room. Get a Renters Quote > Save for the Unexpected With Diminishing Deductible Coverage When you have a renters insurance claim, you’ll have to pay a deductible before your insurance covers the costs of the repairs or replacement costs. At American Family Insurance, we know that a deductible isn’t always the easiest thing to pay after an unexpected event. But with our Diminishing Deductible, we hope to ease that burden by offering a way to reduce your deductible amount. Here’s how it works: Earn Credit Immediately We’ll credit your deductible $100* day one. Let’s say you have a $1,000 deductible. Good news — it just dropped to $900. Watch Your Deductible Diminish Your deductible will continue to reduce each year at policy renewal, up to your policy’s maximum limit, as long as you maintain your policy with us. Savings When You Need It If you have a claim, you’ll pay a reduced deductible amount thanks to your Diminishing Deductible coverage. Your deductible then resets, so you’ll go right back to earning a reduced deductible amount. Learn more about Diminishing Deductible coverage > Renters Insurance Discounts Try these simple ways to save on your renters insurance coverage. Bundle & Save Save 29% on your auto coverage and 15% on your renters coverage! Make your life easier with all your policies in one place. Autopay Save time, stamps, checks and money! When you enroll in automatic funds transfer (AFT) or electronic recurring payments you qualify for a discount. Smart Home Discount If your home is equipped with one or more qualifying smart home devices — such as a smoke/fire alarm system, water/moisture detection system, or a Ring Video Doorbell — you could be in for a better rate. See All Discounts > How Much Renters Insurance Coverage Do I Need? To determine an appropriate renters insurance coverage amount, take a look at how much stuff you own. Typically, you can add up all of your belongings in your apartment and use that as an estimate to start. It’s important to make sure your coverage limit is enough to help cover the cost to replace your belongings should the unexpected happen. Your agent can help you factor in how your location affects the cost and also add any optional coverages, like identity theft protection, equipment breakdown coverage and extended coverage for your jewelry items. They’ll also help you select a liability limit. How Much Would it Cost to Replace All Your Stuff? Enter how much your belongings are worth and we’ll help you estimate how much it’d cost to replace everything you own and how much it’d cost to cover it all with renters insurance. ZIP Code Jewelry Electronics Clothing Furniture Other Assets Calculate You would need to replace $8,500 worth of stuff Got Rental Coverage Questions? We've got answers. Insurance doesn't have to be complicated. Let's skip the confusing jargon and get the answers you need! My landlord is requiring me to get renters liability insurance. Does this policy satisfy that requirement? How does renters insurance work with roommates? What are my payment options? What losses are covered with my renters insurance policy? What do I do if I have a renters insurance claim? See All FAQs > Save Money by Bundling Renters & Car Insurance Looking for ways to save on your insurance? It’s as simple as bundling your renters and car coverages. In fact, on average, you could save 29% on your auto coverage and 15% on your renters coverage.** Get a bundled insurance quote today. START SAVING Renters 101 Learn More Renters Insurance Questions for your Agent View More Get the MyAmFam App From accessing your account and managing your payments to filing a claim and tracking your status, the MyAmFam app is packed with features to make managing your insurance easier. Download it today! Learn More > Get a Renters Insurance Quote START QUOTING *Maximum limit of $500 for renter insurance, condo insurance and manufactured home insurance. **Discount and savings amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy. 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