All logos, product names, and company names mentioned on this site are the property of their respective owners and are used for identification purposes only. Their use does not indicate any partnership, endorsement, or approval by these owners.

8 Best Renters Insurance Companies

Jodie Price

By Jodie Price | Updated August 21, 2025

The best renters insurance companies offer reliable coverage for personal property, liability, and living expenses. Top providers stand out for their range of options, from budget-friendly plans to policies with extra benefits. Comparing these insurers can help you find affordable protection with solid customer support and easy claims.

  • State Farm

    State Farm is recognized as ‘Best for Price,’ offering renters insurance at an average cost of just $102 per year for $15,000 worth of coverage. It has a very low complaint level, making it a reliable choice for customer satisfaction. Coverage is available nationwide, providing broad access across the U.S.

    Our Expert Take

    State Farm is a top choice for renters insurance thanks to its reliability, high customer satisfaction (97% approval rate), and wide U.S. availability. Policies are affordable, averaging about $11 per month, covering personal property, liability, and loss of use.

    Optional endorsements are available for identity restoration and high-value items. Policy management and claims are convenient through a local agent network, online portal, and mobile app.

    Bundling renters and auto insurance can provide additional savings. With strong financial stability, State Farm is well-positioned to handle claims efficiently and offer consistent support.

    Pros & Cons

    Pros:

    • Low average monthly premium (about $11)
    • Wide agent network for personal service
    • Simple online quote and claims system
    • Many options to add extra coverage
    • Bundle discounts with other State Farm policies

    Cons:

    • Limited discounts compared to some other insurers
    • Fewer digital features than some newer online companies
    • Coverage options and pricing can vary by location
    • Not all add-ons are available in every state

    States Available In

    State Farm renters insurance is available in most U.S. states and Washington, D.C., with the exception of Massachusetts and Rhode Island. Coverage options, pricing, and discounts vary by ZIP code. Check with a local agent or the State Farm website for availability in your area.

  • Westfield

    Westfield is great for combining auto and renters insurance, with an average annual cost of $136 for $15,000 in coverage. It maintains a very low complaint level, reflecting strong customer satisfaction. However, availability is limited to 10 states, primarily in the Midwest.

    Our Expert Take

    Westfield renters insurance is a strong choice for reliable coverage and hassle-free service, with responsive customer support and a low volume of complaints according to expert reviews.

    Pricing is competitive, often among the most affordable for basic renters policies. Extras include replacement cost coverage for personal property, helping recover the value of newer items that are lost or damaged.

    Coverage options may be more limited than some national providers, but Westfield excels with simple, effective protection, clear communication, and helpful local agent support for easy claims processing.

    Pros & Cons

    Pros

    • Competitive and often affordable premiums
    • Low complaint levels from policyholders
    • Strong financial strength and claims payment reputation
    • Replacement cost coverage available
    • Simple-to-understand policies

    Cons

    • Fewer optional coverage upgrades than larger insurers
    • Not available nationwide
    • May require working with local agents rather than online-only management
    • Limited digital tools for managing your policy

    You will want to weigh these points if you value high-touch service but may need more advanced digital features.

    States Available In

    Westfield renters insurance is available in select states, primarily in the Midwest, South, and parts of the East, including Ohio, Indiana, Illinois, Kentucky, Michigan, Pennsylvania, Tennessee, and West Virginia. As the company is expanding, availability may vary. Please check with a local agent or visit the Westfield website for the latest information.

  • American Family

    American Family is ‘Best for Families,’ offering renters insurance at an average cost of $154 per year for $15,000 in coverage. It has a very low complaint level, indicating strong customer satisfaction. The company’s policies are available in 19 states, making it a solid choice if you live in one of its covered areas.

    Our Expert Take

    American Family provides standard renters insurance covering personal belongings, liability, and additional living expenses if your home becomes uninhabitable. Optional add-ons include identity theft protection and extra coverage for high-value items like jewelry or electronics.

    The company is known for strong customer service and a smooth claims process, though pricing and coverage options vary by location. American Family is a solid choice for renters seeking a straightforward policy with flexible coverage that adapts to changing needs.

    Pros & Cons

    Pros

    • Good customer satisfaction ratings
    • Offers customizable add-ons like identity theft and valuable item coverage
    • Strong financial stability
    • Easy to manage your policy online or through the mobile app
    • Many available discounts, such as for bundling or protecting your home

    Cons

    • Not available in all states
    • Premiums may be higher in some areas
    • Some optional coverages cost extra
    • Limited coverage for very high-value items without specific add-ons
    • Not always the cheapest option for renters with minimal coverage needs

    States Available In

    American Family renters insurance isn’t offered in every state, so it’s important to confirm availability before applying. Coverage is currently offered in select states including Arizona, Colorado, Georgia, Idaho, Minnesota, Nebraska, Illinois, Indiana, Iowa, Kansas, Missouri, Nevada, Ohio, Oregon, South Dakota, Washington, Wisconsin, and Utah.

    Since availability can change, it’s a good idea to visit the American Family website or speak with an agent to see if you can purchase a policy in your state. This helps ensure you’re getting the most up-to-date information based on your location.

  • Auto-Owners

    Auto-Owners is ‘Best for Discounts,’ offering affordable renters insurance at an average cost of $113 per year for $15,000 in coverage. It has a very low complaint level, suggesting strong customer satisfaction.

    Our Expert Take

    Auto-Owners stands out for its high customer satisfaction and helpful coverage features. Standard protection covers personal belongings, liability, and loss of use, with optional add-ons for valuable items such as jewelry or electronics.

    The company is known for handling claims quickly and fairly. Many customers report a smooth claims process with supportive assistance, reducing stress when filing. Bundling discounts are available for multiple policies, like auto and renters insurance.

    While Auto-Owners doesn’t offer flashy apps or fully online quotes, and most policies require working with a local agent, it remains a reliable choice for those who value personal service and a company with a long-standing reputation.

    Pros & Cons

    Pros

    • Low level of customer complaints
    • High ratings for claims handling
    • Helpful local agents
    • Multiple policy discounts
    • Good coverage options and add-ons

    Cons

    • Must buy through an agent (no direct online purchase)
    • Fewer online features than newer companies
    • Not available nationwide

    Auto-Owners could be a strong fit if you want a personal touch and aren’t set on managing everything online. It’s worth considering if you prefer working face-to-face with an insurance agent.

    States Available In

    Auto-Owners renters insurance is available in about 26 states, primarily in the Midwest, South, and parts of the East. However, it is not offered in some large states like California and New York.

    States where coverage is available include Michigan, Ohio, Indiana, Tennessee, Georgia, Florida, Missouri, Pennsylvania, Kentucky, and Alabama. Since availability can vary, it’s best to contact a local agent or check with the company to confirm if your state is covered.

  • USAA

    USAA is best for military members, offering nationwide renters insurance coverage at an average cost of $116 per year for $15,000 in protection. It maintains a very low complaint level, reflecting high customer satisfaction. With nationwide availability, it’s a strong option for military families who may move frequently.

    Our Expert Take

    USAA is an excellent choice for active duty military members, veterans, and eligible family members. Policies include standard coverage for personal property, liability, and loss of use, with optional flood and earthquake protection at no extra cost.

    The company consistently earns high customer satisfaction scores and handles claims quickly and fairly. While eligibility is limited to military-affiliated individuals, qualified members benefit from a seamless digital experience and knowledgeable customer service.

    Premiums are typically lower than average, with discounts for bundling and remaining claim-free. Replacement cost coverage is standard, ensuring belongings are insured at current value rather than depreciated value.

    Pros & Cons

    Pros

    • Flood and earthquake coverage included at no extra charge
    • Excellent customer service and claims handling
    • High customer satisfaction and financial stability
    • Replacement cost coverage standard with all policies
    • Competitive pricing and discounts for bundling policies

    Cons

    • Coverage is only available to military members, veterans, and their families
    • Not available for the general public
    • Limited physical branch locations
    • Some customers report limited customization compared to competitors

    States Available In

    USAA renters insurance is available in all 50 states and Washington, D.C. You can get coverage anywhere in the U.S. as long as you’re eligible through a military connection. This nationwide availability makes it especially useful if you move frequently, which is common for military families.

    Whether you rent an apartment in California, a house in Texas, or a dorm in Virginia, USAA can provide coverage without any state-based restrictions.

  • Allstate

    Allstate is ‘Best for Renters with Poor Credit,’ providing nationwide coverage and maintaining a very low complaint level. Its renters insurance costs an average of $109 per year for $15,000 in coverage, making it an accessible option for those looking to balance affordability and reliability.

    Our Expert Take

    Allstate offers renters insurance in most states and is known for its long-standing reputation and reliability. You can save through discounts, such as bundling with auto insurance.

    Coverage includes protection for personal belongings, liability, and guest medical payments. Optional add-ons include higher limits for valuable items and identity theft coverage. Claims can be filed and tracked online or via the Allstate mobile app.

    Customer service is available online, by phone, or through local agents. Policy pricing is generally competitive, with regular promotions and discounts often available.

    Pros & Cons

    Pros:

    • Multiple discounts, including bundling with auto insurance
    • 24/7 claims support and online claims management
    • Optional coverage add-ons like identity theft protection
    • Wide availability across most of the U.S.
    • Local agents available for personal support

    Cons:

    • Some users report higher premiums than competitors
    • Not all discounts are available in every state
    • No coverage available in every state—some exclusions apply
    • Lower basic coverage limits for valuables unless you pay extra
    • Deductibles and rates can vary by location, sometimes less competitive in high-risk areas

    States Available In

    Allstate renters insurance is available in nearly every state, making it accessible to most people across the U.S. While there are a few exceptions, you can easily check your eligibility by getting an online quote using your ZIP code.

    Policy features and discounts may vary based on state laws and local regulations. If you live in a high-risk area, it’s a good idea to confirm coverage with a local Allstate agent before applying.

  • Country Financial

    Country Financial is ‘Best for Expanded Coverage,’ offering renters insurance at an average cost of $174 per year for $15,000 in coverage. It maintains a very low complaint level and is available in 19 states, making it a solid option for those seeking broader protection.

    Our Expert Take

    Country Financial offers two main renters insurance packages: Basic and Premier. The Basic plan covers standard risks like fire, theft, vandalism, wind damage, and frozen pipes. The Premier plan provides extra features and higher coverage limits for added protection.

    Claims are processed with replacement cost coverage, ensuring you can replace items rather than receiving depreciated value. Policies can be customized with endorsements for valuables or identity theft, and optional add-ons cover high-value items like jewelry or electronics.

    Customer service is average, and premiums are moderately priced, especially with applicable discounts. Country Financial is a solid choice for renters seeking straightforward options and reliable coverage.

    Pros & Cons

    Pros:

    • Choose between Basic and Premier plans
    • Get full replacement value for most items
    • Optional endorsements for valuables and identity theft
    • Save money with multiple policies or safety features like alarms
    • Covers fire, theft, vandalism, wind, and water from burst pipes

    Cons:

    • Not available in every state
    • Website and app are basic compared to competitors
    • Service and claims response are standard, not exceptional
    • Limited options compared to larger national brands

    States Available In

    Country Financial renters insurance is available in a limited number of states, with coverage mainly concentrated in the Midwest, along with select Southern and Western states. The company does not offer nationwide availability, so options vary by location.

    States where you can typically get coverage include Alabama, Arizona, Colorado, Georgia, Illinois, Indiana, Oregon, Washington, and more. To confirm if a policy is available in your area, check directly with Country Financial or visit their website.

  • Nationwide

    Nationwide is great for add-on coverage, offering renters insurance for an average of $129 a year for $15,000 in coverage. It has a low complaint level and is available in 43 states and Washington, D.C., making it a widely accessible choice with customizable options.

    Our Expert Take

    Nationwide renters insurance is a solid option for those seeking flexible policies with extra features. You can add coverage for valuables, theft protection, and sewer or drain backup. Standard policies cover personal property, liability, loss of use, and medical payments for injuries in your home.

    Nationwide’s digital tools simplify getting quotes, filing claims, and managing your policy online or via the mobile app. Customers often praise helpful agents and a smooth claims process, though some newer online-only insurers may process claims faster.

    Bundling renters insurance with other Nationwide products, like auto insurance, can reduce premiums. Additional discounts, such as claims-free and protective device discounts, are also available.

    Pros & Cons

    Pros:

    • Optional coverages for valuables and specialty items
    • Strong financial stability and reputation
    • Easy-to-use website and mobile app
    • Good bundling and multi-policy discounts
    • Helpful customer service and local agents

    Cons:

    • Premiums are sometimes higher compared to low-cost online insurers
    • Not available in every state
    • Some policy add-ons may cost extra
    • Digital features may be less advanced than those from tech-first companies
    • Certain discounts may not be available everywhere

    States Available In

    Nationwide renters insurance is available in most U.S. states, but there are some exceptions. The company offers policies in the majority of the country, but coverage may not be offered in Alaska, Hawaii, Louisiana, or some other select areas.

    Before buying a policy, check with Nationwide’s website or a local agent to confirm availability in your state. State-specific rules and coverage options can vary.

Frequently Asked Questions

What factors should I consider when comparing renters insurance policies?

Look at how much coverage each policy provides for personal property and liability. Check the deductible amount and what kinds of events are covered, like theft, fire, or water damage.

Review the cost of the insurance and compare renters insurance rates from different providers. Check how simple it is to file insurance claims and if there are any limitations on your policy. Having a recent home inventory can help you decide how much coverage you need.

How do I evaluate customer service and claims satisfaction for different insurers?

Investigate customer ratings for each company’s claims process. The National Association of Insurance Commissioners (NAIC) offers complaint data that shows how each insurer handles claims and customer concerns.

Look for reviews and ratings from national organizations or trustworthy websites. Pick a company with a strong record of fair payouts and helpful customer support.

How does the location of my rental affect the cost and coverage of renters insurance?

Your insurance cost may increase if you live in areas prone to natural disasters, such as floods or earthquakes. The crime rate in your neighborhood can also impact renters insurance rates.

Insurers may set limits or exclude certain coverages depending on where you live. Always ask about location-based restrictions before buying a policy.

What discounts are commonly offered by top renters insurance companies?

Many companies offer bundling discounts if you buy more than one policy, like combining renters and auto insurance. Other common savings come from installing security systems or fire alarms in your rental.

Some insurers reward you for having no recent claims or for paying your policy in full. It’s best to ask about all available discounts before you commit.

How often should I review and potentially update my renters insurance coverage?

You should review your renters insurance at least once a year, or whenever you make a big purchase or move to a new place. Updating your home inventory ensures your policy matches your needs.

If your rent, belongings, or personal circumstances change, consider adjusting your insurance coverage. Regular reviews help you avoid gaps and keep your coverage up to date.