Shop insurance For customers For agents Log in Renters Insurance Affordable coverage to protect your stuff Find a local agent Enter your ZIP code to get started ZIP code zip code Search by agency name CoveragesDiscountsFAQs Get to know your renters coverage options Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home. Learn more about the unique renters insurance coverages we offer below, then contact a local agent to discuss the right coverage for you. Coverage Real-life scenario Standard Optional Personal Property Coverage If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced. Liability Coverage Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else’s home. Additional Living Expenses Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more. Valuable Articles Coverage Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment. Personal Property Replacement Cost Coverage For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1 We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best renters coverage options for you. View all coverages You could save money with Safeco’s renters insurance discounts2 Multi-policy Discount Combine your renters insurance policy with your auto insurance to save. Pay in full Did you know that if you pay your premium in full, you’ll actually pay a lower rate over the term of your policy? Choose a higher deductible It’s not always recommended, but if you choose to purchase a policy with a higher deductible you’ll pay a lower premium. Why purchase renters insurance? Renters insurance may or may not be required where you live, but we always recommend it to ensure your stuff is protected. Not only that, it’s more affordable than you think. Renters insurance covers: Your personal belongings in the event of theft or fire Liability if a guest is injured in your home Additional living expenses if your home becomes unlivable due to a covered event Connect with a local agent to learn more about the benefits of renters insurance. Find an agent Start with a quote — finish with an agent Policy type Auto Homeowners Renters Condo Boat Motorcycle RV Umbrella Landlord Protection ZIP code Get started Common renters insurance questions Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss renters insurance today. Does renters insurance pay your rent if you’re unable to? Is renters insurance expensive? Is your landlord responsible for insuring the apartment? What if your luggage gets stolen while you’re on vacation? 1 Optional coverage. Subject to a deductible. May vary by state. 2 Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Resources Log in Create your account Customer support Pay your bill Fraud alert Careers Insurance agents Find an agent Become an agent Agents in the community Languages EnglishEspañol Roadside assistance 1-877-762-3101 File a claim 1-800-332-3226 File your claim online Privacy policy | Security policy | Terms and conditions | Member rights | Underwriting companies | Producer compensation disclosure | Equal opportunity employer | Web accessibility policy | Site map © 2020 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116 Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.