Renters Insurance Coverage Calculator
Inventory your belongings room by room to estimate the personal-property coverage and liability limit to ask for.
Personal property coverage to ask for$0
Helpful gear
Affiliate links
Fireproof document bagKeeps your lease, IDs, passports and insurance papers together and grab-ready.
Shop on Amazon
10-year smoke alarmSealed battery, no chirping replacements. Ask your landlord first; many leases make alarms their job.
Shop on Amazon
Home fire extinguisherA 2-A:10-B:C rating covers ordinary, grease and electrical fires. Keep it near the kitchen exit.
Shop on Amazon
As an Amazon Associate, Renter News earns from qualifying purchases.
Estimates are for planning only and are not financial, legal or insurance advice. Rules and costs vary by state, city and lease.
Frequently asked questions
What does renters insurance cover?
Typically your personal belongings, personal liability, and additional living expenses (loss of use) if a covered event like a fire makes your home uninhabitable. Your landlord's policy generally does not cover your belongings. Read our renters insurance guide.
Replacement cost or actual cash value?
Replacement cost pays to buy new items; actual cash value subtracts depreciation. Replacement cost policies cost a little more but pay out more after a loss.