Rental Property Insurance

Get an affordable renter’s property insurance quote today and protect yourself with robust coverage. We’re here to help you get the protection you need.

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If you purchase a policy, we will use this email address to send you policy related emails.

By providing this information, you’re letting us know that it’s okay to contact you about this quote. If you do not want to provide this information, please call 512-436-3785 to get a quote.


Information from outside sources, such as prior insurance and claim and credit history, is used to provide you with a homeowner’s quote. A third party may be used to calculate your insurance score. This information and subsequently collected information will be shared with affiliates of Risk Coverage Insurance Company and outside parties that perform services on Risk Coverage’s behalf. View Privacy Policy

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Get the answers you’re looking for: Renters Insurance

How much is your stuff worth?

Well, you’re in luck because we have an easy way of estimating the value of all those items. Our Personal Property Insurance calculator will help make it simple and allow us to find out what kind of coverage would best suit you.

I am a renter, not a homeowner. Do I still need insurance?

Yes, renters insurance is recommended for when you live in someone else building structure or other rented living space. Without renters insurance to protect your belongings from damages caused by events such as fire or theft, you might potentially be responsible for paying out of pocket to replace them.

Doesn't my landlord's insurance covers my personal belongings?

While your landlord most likely does have insurance, Your insurance is not the same. Landlord insurance only covers the physical structure of the building but not your personal belongings within it.

I live in an apartment with roommates. Do we each need a renters policy?

Yes, renters insurance covers your belongings but also if you happen to be the cause of the accident that places your roommates’ stuff in harm, they might want to be compensated or might end up suing you for damages.

Having renters insurance would ensure that you would all be covered separately if something happened. Any time you create a claim it shows on your record, you dont want to carry claims from someone else fault.

Does renters insurance cover my stuff while it's being used?

Coverages vary for renters insurance, but they include Personal Property and Contents Coverage. If you happen to be using or taking part in an activity that puts your Personal Property at risk, renters insurance might kick in and protect you.

Who decides how much my property is worth??

Settling on property damage coverage is based on the actual cash value rating of your renter’s policy. Renters insurance protects you from incurring a financial loss when your property is lost or damaged in an unforeseen event. Using the calculator above will help us determine what dollar value rating best fits your needs.

  • Actual Cash Value (ACV) – The amount it would cost to repair or replace your renter’s belongings after depreciation.
  • Replacement Cost Coverage (RCC) – The amount it would cost to repair or replace your renter’s belongings, regardless of depreciation. With renters insurance, you’re not required to settle for the actual cash value of the property if it’s damaged.


Does my renter's insurance cover my possessions even when I go on vacation?

You might think that renters insurance is only applicable if you live in an apartment building, but it’s not. It provides coverage for all your possessions, no matter where they are. Whether or not the location matters about a covered event happening at home – as long one has paid up his monthly premium beforehand!

What if I am sued or found responsible for injuring another person?

Under renters insurance coverage, you are insured if someone sues you. insurance liability also covers legal expenses, up to the limits of your renter’s policy, should you be found liable for injuring another person or damaging another person’s property.

How do I create an inventory after getting renters insurance?

This may not be the most fun part of renters insurance, but creating an inventory could save you money in the long run. There are great renters insurance checklist templates to make it easy for you.

Does a college student need insurance for their apartment?

Yes, renters insurance is an excellent option for college students! In the unfortunate event that they have to make a claim, you will want to look into coverage limit. This type of policy covers items such as furniture and clothing even if they’re lost in a fire or damaged by severe wind or hail.