You paid for it – why not protect it? Keep your stuff covered
against theft and damage from fire, wind and rain.
Buy today and you can be covered tomorrow.
We make it easy with:
Suit your needs and your budget: get personal property coverage from as low as $10,000 up to $95,000.
40% of our claims are for theft. If you're a victim of theft, we'll help you replace covered items without any deduction for depreciation.
If a pipe bursts and wreaks havoc on your apartment, we'll be there to help replace your covered items.
If your belongings are destroyed by fire, our policy helps with their replacement – and covers fire department service charges.
Save yourself from worry – if a guest is hurt in an accident on your property, we'll pay the covered medical expenses.
In the event you're legally liable for bodily injury or damage to someone else’s property, our policy has you protected.
Fire. Theft. Vandalism. A lot of things can happen to a rental property, and your landlord’s insurance policy only covers your home or apartment's physical structure – not your personal items. So stuff like your furniture, clothes, TV, computers and more are at risk.
You bought all of it – why not protect it?
In addition to our core coverage against theft and fire, water and wind damage, we also offer optional protection for:
We want your policy to suit your needs, so we've got a number of customizable options you can personalize. Pick your desired deductible – they start as low as $100. And our personal property coverage level starts as low as $10,000. This means you can start by protecting just $10,000 worth of your stuff – especially useful if you’re a college student.
Personal liability coverage options start at just $50,000, an important feature that you'll need if you accidentally cause damage to other apartments or rental units. (Please keep in mind that coverage limits vary by state.)
You can also choose whether to pay by the month, or all up-front. If you decide to pay annually, we'll waive all monthly transaction costs, which could save you up to $60 annually.
Let’s hope you never need to call us. But if you do, our compassionate and efficient claims team is there 24/7 to help. We have more than 20 years of experience and have seen just about everything. It’s our job to make sure you get back to living your life. No catches, no loopholes, no confusion – just help when you need it most.
Along with affordable premiums and customizable options, we also work hard to build in as many discounts as possible, depending on your state. You could get credit for:
You can arrange coverage up to 90 days before your move – your policy still starts on the first day you move in. It’s great for those who want to plan ahead, and you can also cancel anytime.
Prefer to talk to someone on the phone to understand our coverage better? No problem – call us toll free at 1-866-918-0331 Monday through Friday, 8AM to 8PM EST. Our claims lines are open 24/7 at 800-358-0600.
*Based on a national average cost of $10,000 personal property coverage, $50,000 personal liability coverage, $250 deductible, and replacement cost. Click "Next" or "Get a quote now" for an exact quote based on your state and the amount of coverage you need.
*Based on a national average cost of $10,000 personal property coverage, $50,000 personal liability coverage, $250 deductible, and replacement cost. Click "next" for an exact quote based on your state and the amount of coverage you need.
The underwriters are American Bankers Insurance Company of Florida, (11222 Quail Roost Drive, Miami, FL 33157; Domicile (FL); NAIC # 10111; authorized to write in Washington, D.C. and all states in the United States), with its home office in Miami , Florida; in MN, American Security Insurance Company, both Assurant Specialty Property companies with a Best's Rating of "A" (Excellent) by A.M. Best Company. In TX, the personal property coverage is underwritten by Ranchers and Farmers Mutual Insurance Company and the personal liability coverage is underwritten by American Bankers Insurance Company of Florida. In Utah, coverage is provided under policy form AJ8850PC-0307. Each insurer has sole financial responsibility for its own products. Coverage may vary by state.