Renters Insurance
Protect your belongings and your peace of mind. Coverage that fits any budget.
Why You Need Renters Insurance
4 reasons every Indianapolis renter should be covered
Your Landlord Doesn't Cover You
Your landlord's insurance only covers the building - not your personal belongings or liability.
Affordable Protection
Renters insurance is one of the most affordable coverages available. Rates vary by carrier and coverage level.
Liability Coverage
If a guest slips and falls in your apartment, you could be liable for their medical bills.
Instant Coverage
Get covered in minutes. Most policies start the same day you apply.
What's Covered
Comprehensive protection for renters
Personal Property
$25,000 - $100,000Covers your belongings if stolen, damaged by fire, or other covered events
Liability Protection
$100,000 - $500,000Protects you if someone is injured in your rental or you damage property
Additional Living Expenses
Up to 40% of coveragePays for hotel/temporary housing if your rental becomes uninhabitable
Medical Payments
$1,000 - $5,000Covers minor injuries to guests regardless of fault
Coverage Options
Rates vary by carrier, location, and your specific situation. Request a quote for personalized pricing.
Popular
MOST CHOSEN- $50,000 Personal Property
- $300,000 Liability
- $5,000 Medical Payments
- Identity Theft Protection
Premium
- $100,000 Personal Property
- $500,000 Liability
- $5,000 Medical Payments
- Replacement Cost Coverage
Frequently Asked Questions
Common questions about renters insurance
How much does renters insurance cost in Indianapolis?
Renters insurance rates in Indianapolis vary by coverage limits, location, and carrier. Contact us for a personalized quote tailored to your needs.
What does renters insurance cover?
Renters insurance covers your personal belongings (furniture, electronics, clothing), liability if someone is injured, and additional living expenses if your rental becomes uninhabitable due to a covered event.
Do I need renters insurance if my landlord requires it?
Many Indianapolis landlords now require renters insurance as part of the lease. Even if not required, it's highly recommended - your landlord's insurance does NOT cover your belongings.
Does renters insurance cover roommates?
Each roommate typically needs their own renters insurance policy unless you're married or domestic partners. Some carriers allow adding a roommate for an additional premium.
Is theft covered under renters insurance?
Yes! Renters insurance covers theft of your belongings both inside your rental and away from home (like a laptop stolen from your car or items stolen while traveling).
Get Renters Insurance in Minutes
Most policies start the same day. Request a quote for your personalized rate.
Request a Quote