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Renters Insurance Coverage

Get an affordable renters insurance policy for around $12 per month.[1]

Already have a policy? Call 800-640-2920 so we can help you.

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What is renters insurance coverage?

Renters insurance coverage protects you as a tenant by covering your personal property against damage or theft and when your residence becomes unlivable due to a covered loss, such as a fire or burst pipe. In addition, renters insurance provides liability protection if someone is injured on your property or if you accidentally cause damage to someone else’s property. It even offers medical protection for guests injured in your home or if you accidentally injure someone outside of your residence.

What does renters insurance cover?

Renters insurance coverage offers protection for a wide range of situations, often at surprisingly affordable rates. It covers your personal belongings from damage or theft, provides liability protection if a visitor is injured on your property, and can help with additional living expenses if you're temporarily displaced due to a covered event. While basic renters insurance coverage policies include essential protections, you can also opt for extended coverage for certain high-value items. Plus, your belongings are protected even if they’re damaged or lost while away from home, giving you extra peace of mind.

Your personal belongings will be covered in the event of damage due to any of the following covered events unless the loss is excluded by your policy. Typically, renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Falling objects
  • Freezing
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental tearing apart, cracking, burning, or bulging
  • Sudden and accidental damage from artificially generated electrical current
  • Volcanic eruption

Renters Insurance Coverage Quotes

The cost of renters insurance coverage can vary based on several factors like location, coverage amounts, and the type of home being rented. In some states, you may also be eligible for a discount by bundling your renters insurance policy with an auto policy. On average, insurance coverage for renters is available for around $12 per month.[1]

For a more accurate rate, get a quote today.

Explore Renters Insurance Coverage Options

Learn more about the various renters insurance coverage options available, including potential discounts, and Wawanesa's 24/7 claims service.

Get a quote to see how affordable protecting your belongings can be. For more details, visit your state’s page to learn about insurance coverage for renters in your area.

California Coverages
Oregon Coverages

Finding the Right Renters Insurance is Easy with Wawanesa

Shopping for renters insurance is simple and stress-free when you choose Wawanesa. You'll find customizable coverage options that fit both your needs and budget. Since coverages and discounts vary by state, make sure to check what options are available in your area.

You can get a quote online or speak to one of our helpful agents at 800-640-2920 for more information.

Get a free quote now

Frequently Asked Questions About Renters Insurance

What does renters insurance cover?
Renters insurance coverage protects your personal belongings from damage or theft.[2]It also helps cover additional living expenses if you’re temporarily displaced due to a covered loss. Depending on your policy coverage, liability protection may also be included if someone is injured on your property.
How much does renters insurance cost?
The cost of insurance coverage for renters varies depending on several factors like your location, the amount of coverage you need, and the type of home you're renting. On average, most Wawanesa renters insurance policies cost around $12 per month.[1]
Are there discounts available for renters insurance?
Yes, various discounts are available for renters insurance, which vary by state. If your apartment or the home you rent is equipped with certain safety and security features, you may qualify for discounts. To find out more about available discounts, check out the renters insurance discounts offered to our members.
How do I get a renters insurance quote?
You can easily get a renters insurance quote online or by calling Wawanesa directly at 800-640-2920 . Our helpful agents are ready to assist you in finding the right coverage for your needs.
Do I need renters insurance if I own a property?
If you own a property that you plan to rent out, you’ll need landlord’s insurance. This is not the same as renters insurance. Landlord insurance covers damage to the building and liability against tenants’ lawsuits, whereas renter’s insurance protects the tenant and their belongings For example, if a fire breaks out, a landlord’s policy will cover the landlord/property owner, while a renters insurance policy will protect the tenant if their belongings were damaged in the fire.
How do I file a renters insurance claim?

It’s easy. You can file a claim 24/7 either online or by calling 888-WAWA-CLAIM (929-2252). A Wawanesa claims expert will be ready — however and whenever you get in touch, to get the claim process started for you.

How can I estimate the value of my property?
To estimate the value of all your possessions, you’ll need to do a complete inventory. Go room by room and take pictures of everything that is of value, such as a TV, computer, etc. Note the item description, serial/model numbers where applicable, and the location and date of purchase. Don’t forget to include the original cost of each item, estimated current value, and reference sales receipts for your most valuable items. This in-depth effort will be a good reference aid should you ever need to file a claim and will let you figure out the total value, so you can determine if you need to buy additional coverage.

Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Renters Insurance FAQs

Disclaimers

  1. Average premium cost of $12 per month for the states of California and Oregon, for a Wawanesa 12-month renters insurance policy for personal property liability limit of $15,000.↩
  2. Subject to policy conditions.↩

Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions, and endorsements of your insurance policy.

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