Affordable Renters Insurance Quotes | Orbit Insurance Services

Protecting your space

What coverages can I get for my Renters' Insurance?

Renters insurance provides critical financial protection for your personal property and liability, ensuring that you aren't left paying out-of-pocket for unexpected disasters inside your rented home.

Personal Property Coverage

Protects valuable items such as furniture, appliances, electronics, and clothing from damage caused by accidents, theft, fire, smoke, and water damage.

Liability Coverage

Covers medical and legal costs if someone gets injured at your rented apartment and decides to sue, offering financial protection and compensation.

Additional Living Expenses (ALE)

Pays for living expenses if your rental becomes uninhabitable due to a covered event, such as a fire or storm, including hotel bills and meals.

Medical Payments Coverage

It covers medical expenses if a guest is injured on your rental property, regardless of who is at fault, ensuring your guests remain protected against hazards.

Theft & Vandalism Coverage

Protects your personal belongings in the event of theft or intentional property damage, covering the cost of replacing stolen or destroyed items.

Water & Smoke Damage Coverage

Covers accidental water damage (like burst pipes) and damage caused by fire or smoke, helping replace items destroyed in a sudden disaster.

Why Orbit

Why Orbit is the best choice for Renters' Insurance?

Competitive Rates

We shop multiple carriers so you get the best rate for your renters coverage, ensuring you secure the protection you need for just pennies a day.

Industry Expertise

Our agents understand landlord lease requirements and will ensure your policy limits perfectly match the criteria demanded by your property manager.

Any Credit Welcome

Good credit, bad credit, or no credit — we provide flexible options so you can secure a lease and move into your new apartment seamlessly.

Instant Proof of Coverage

Purchase your renters policy online or over the phone and get an instant digital certificate of insurance to show your landlord immediately.

Talk to a property expert today

A real agent is ready to help you find the right coverage to protect your belongings and fulfill your lease requirements.

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The basics

What is Renters' Insurance?

Renters' insurance is a specialized form of property insurance designed for individuals who rent an apartment, house, condo, or townhome. Because your landlord's insurance only covers the physical building, renters insurance is necessary to protect your personal valuable belongings inside the unit.

It protects you and your belongings from accidents, fire, theft, and harsh weather conditions, thereby safeguarding against unwanted damage and replacement costs. It allows tenants to repair or recover their belongings without facing massive financial strain. In addition, it provides crucial personal liability coverage in case someone is injured inside your rental space, and covers additional living expenses if a disaster forces you to temporarily relocate.

Good to know

Frequently asked questions & Requirements

While not legally required by the state, the vast majority of landlords and property management companies require tenants to carry renters' insurance as a condition of their lease agreement. It is highly recommended for all tenants, college students off-campus, and those with valuable electronics or jewelry.

Renters insurance is incredibly affordable. On average, you can expect to pay around $12 to $15 per month, totaling roughly $144 to $180 per year. The exact cost will depend on the value of your belongings, your location, your chosen deductible, and your liability limits.

Typically, no. Renters' insurance only covers the person who holds the policy and their personal belongings. Roommates need to obtain their own separate policies to ensure their personal property and liability are protected, unless they are specifically added to the policy as a named insured.

The best way to determine your coverage needs is to create a home inventory. List out your furniture, electronics, clothing, and valuables with their estimated replacement costs. Also, check your lease agreement—your landlord may mandate a minimum liability coverage amount (often $100,000).

To generate an accurate quote, you will need to provide:

Property Details: Address and type of rental (apartment, house, condo).
Coverage Needs: Desired limits for personal property and liability.
Security Info: Presence of smoke detectors, alarms, or deadbolts.
Pets: Type and breed of pets for liability considerations.
Valuables: Any high-value items needing extra scheduled coverage (like expensive jewelry or art).

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