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Renters
Insurance

Estimate how much renters insurance you need — and how much it should cost. Covers personal property, liability and ALE.

Your Belongings — Personal Property
Estimate the replacement value of your items. Use today's purchase price — not current resale value.
Electronics (laptop, TV, phone, gaming)
$
Furniture & Appliances
$
Clothing & Accessories
$
Jewellery & Watches
$
Sports & Hobby Equipment
$
Kitchen & Home Goods
$
Other Valuables
$
Coverage Options
Coverage Type
Deductible
Liability Coverage
Additional Living Expenses (ALE %)
%
Your Location
Insurance Estimate
Recommended Annual Premium
$0/yr
$0 per month
$0
Personal Property
$0
Liability
$0
ALE Coverage
$0
Deductible
What's Covered
✅ Typically Covered
Fire & smoke damage
Theft & burglary
Water damage (burst pipe)
Vandalism
Lightning strikes
Guest injuries in your unit
❌ Not Covered
Flooding (need separate)
Earthquakes (need separate)
Bedbugs / pests
Your car (need auto)
Business equipment
Roommate's belongings
Property Breakdown
Electronics
$0
Furniture & Appliances
$0
Clothing & Accessories
$0
Other Items
$0
🛡️

Coverage Assessment

Calculating...

💡
Replacement Cost vs Actual Cash Value: ACV pays what your 3-year-old laptop is worth today (~$200). Replacement Cost pays what a new equivalent laptop costs today (~$1,200). The premium difference is small — always choose Replacement Cost coverage.

Get Covered in Minutes

TechsGenius compares renters insurance quotes so you get the best coverage at the lowest price.

💬 Compare Quotes →