It doesn't have to be expensive to protect your finances and belongings. Our insurance specialists find you the best combination of price and coverage so that you can have peace of mind wherever you reside.

Protecting Your Personal Belongings

AIS Insurance Specialists know how to protect your valuables. If a disaster strikes your home, your landlord’s insurance policy only pays for damages to the building, not your belongings. You are also not covered in cases of theft. With renters insurance, not only are your possessions covered, but you are also protected against personal liability.

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Save More When You Bundle

You can't put a price on peace of mind. Luckily, there are ways to save on renters insurance. Consider bundling your auto, motorcycle, recreational vehicle, or other type of policy with your renters insurance to qualify for a discount. Looking to combine a different policy? Check out all the insurance products our carriers cover, which may be more than you think.

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Compare Top-Rated Carriers

Overwhelmed by how many insurance companies there are and wondering how to find the best price on renters insurance? AIS is here to help. We compare multiple top-rated insurance carriers in one place so you don't have to search several websites or make more than one phone call. Plus, our agents can answer all your insurance questions, too. 

Personalize Your Renters Insurance Coverage

As a renter, protecting your personal belongings, like furniture, TVs, clothing, electronics, etc., from fire, theft and natural disasters is important. The contents of your home are also covered if lost or stolen from a vehicle or while you travel. In addition, you’ll be protecting yourself from any liability related claims. Without coverage, you could be putting your savings, equity and future earnings at risk in the event of a lawsuit. 

Common Renters Insurance Coverages

Insurance Made Easy

When you choose AIS, you can rest assured that our dedicated team of experts will carefully explain all available coverage options and guide you toward the policy that suits your needs without breaking the bank. We understand that navigating insurance choices can be daunting, but we're here to make it as easy as possible. Finding the best rate and the best coverage doesn't have to be stressful. 

Obtaining a renters insurance policy is remarkably simple when it takes just a few minutes to receive a quote online or over the phone. You'll get the coverage that truly matters when it comes to protecting your assets. Begin saving on your renters insurance today!

Common Renters Insurance FAQs

What does renters insurance cover?

A typical renters insurance policy includes three types of coverage: personal property, personal liability, and loss of use. In simple terms, personal property covers the cost of repairing or replacing personal belongings like clothes, furniture, and electronics. Personal liability covers injury to someone else or damage to someone else's property if you're found responsible. Loss of use covers additional living expenses, such as hotel bills, if the residence you rent becomes uninhabitable. All coverage is subject to your policy's limits.

How much renters insurance coverage do I need?

There are a few factors to consider when choosing how much renters insurance coverage is right for you. Start by calculating the value of your personal belongings, how much liability coverage you need, and if additional coverage is required based on your circumstances. On average, a standard renters insurance policy is pretty affordable, ranging from $10-$30 per month. Speak with an agent today to find the coverage that's right for you. 

What is not covered by renters insurance?

While a standard renters insurance policy covers most accidents, it doesn't cover everything. You may need additional coverage for instances of flood, earthquakes, sinkholes, bed bugs/other pests, theft of certain valuables, and items that aren't yours/belong to a roommate. 

Is my roommate covered by my renters insurance? 

If you live with a roommate, they will need their own renters insurance policy to be protected. Most insurance companies won't allow roommates to be covered on the same policy unless they are related or married. Check with an insurance agent for the best coverage recommendations.

Learn About Additional Coverages

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Real Customers. Real Savings.

Claudia C.

"AIS saved me from having to pay a total of $2,760 for adding a 2020 car on my policy! HUGE savings of over $200 a month!"

Michelle L.

"I’ve been with AIS for over 20 years and I won’t ever leave! Their customer service has ALWAYS been amazing at handling anything I need."

Insurance Savings for Everyone

Did you know that AIS offers a referral program? We started this program because it's an excellent way to help friends and family find great insurance. And of course, you get rewarded, too.

In fact, you can earn up to $1,000 in rewards! Learn more about our program and start referring your friends and family today.

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From the Homeowners Blog Feed