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Renters Insurance

The Cost of Your Stuff Adds Up. Protect It With Renters Insurance.

No matter if you’re running errands, traveling for work or simply relaxing at home, you can have peace of mind knowing that, should the unexpected happen, your stuff is covered.

How Much Would It Cost to Replace All Your Stuff?

Enter how much your belongings are worth and we’ll help you estimate how much it’d cost to replace everything you own and how much it’d cost to cover it all with renters insurance.


How much jewelry do you own? Add up everything from watches and an engagement ring to antique jewelry and diamond earrings. Keep in mind, if the total value of your jewelry is more than the jewelry limit on your policy it’s a good idea to add additional coverage.


Add up what your electronics are worth. Think TVs, computers, gaming systems, stereos, guitar amps and more. Your renters insurance helps protect them from things like damage and theft — even when you're on the go!


From your winter jacket to your favorite pair of leather boots, the cost of all your clothes adds up to more than you think. How much would it cost to replace all the clothing in your closet if they were damaged from something like smoke or fire?


Whether it’s a hand-me-down futon or a leather couch you invested in, if the furniture in your home was damaged or destroyed, would you be able to replace it all out of pocket? Your bed set, dresser, couches, recliners, desk — how much would it cost to replace everything?

Other Assets

What else do you own? Consider things like a bicycle, appliances, artwork, record collection, books, musical instruments, collectibles — anything you’d want covered if it was damaged or destroyed by an unexpected event.

You would need to replace
worth of stuff
You would need to replace
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Renters in your state pay
on average for insurance*
*The estimated monthly payment shown is an average of what renters pay in your area. Your actual premium will be based on your coverage limits.
Looks like American Family Insurance doesn’t offer renters insurance in your state — no problem! We’ll set you up with one of our partners to get you the coverage you’re looking for. Click Start Quoting to begin.

Do You Have Enough to Cover Your Stuff From the Unexpected?

Consider the value of everything you own — it’s more than you think! If your place caught fire and your things were damaged or destroyed, could you afford to replace it all on your own? You’re probably saving up for important things, like your first home or maybe even a family, so paying out of pocket for damages is likely something you want to avoid. Having renters insurance is a smart, supportive and affordable option to protect you from the unexpected.

Cost of a Take-out Meal

Protection is extremely affordable. In fact, average renters insurance policies are often less than $15 a month.

Protection That Follows You

Whether you’re working at a coffee shop or flying to the other side of the country, your renters insurance acts as an invisible shield around you and your possessions.

Access on the Go

Access everything you need to know about your coverage, make payments, report a claim and have your insurance cards at your fingertips with the MyAmFam app.

Renters Insurance FAQs

  1. Just look at your neighbor — no two renters are alike! That’s why we offer a variety of unique ways to protect you. From personal property protection to liability coverage, we work with you to build a policy that’s customized for you and your growing dreams. Here are just a few examples of the protection we offer — but your American Family agent can help you explore all your options!

    • Your renters policy helps cover damage to your things from fire, theft, water damage and other covered losses. And, if your apartment becomes uninhabitable, we’ll help cover temporary housing expenses while it’s being prepared.
    • Liability coverage will help you pay for property damage, first aid, medical and court costs should an accident happen in your rental, so you can stay focused on growing your dreams.
  2. Great question! Your landlord’s insurance only covers the building you live in, not what’s inside your apartment. That’s why renters insurance is so important — it helps replace your belongings if anything unexpected happens — like fire, theft, water damage and more. Your renters policy also provides you with liability coverage if you accidentally cause damage to the building or injury to a guest or another tenant.
  3. It’s important to have enough protection to cover the costs of replacing your belongings in the event of the unexpected. From laptops and TVs to sports equipment and your favorite clothing, the value of your personal property can add up quickly! To get an idea of everything you own, create a room-by-room inventory so you know what everything you own is worth.
  4. Making a claim is never fun, but we do our best to make it as easy and stress-free as possible for you. If you experience a loss, simply call 1-800-MYAMFAM (692-6326) and we’ll work with you to restore or replace your damaged or lost belongings. Take a closer look at our claims process here.

We’re Not Like Just Any Insurance Company

At American Family, we’re dedicated to inspiring, protecting and restoring your dreams — because we believe a dream is the most valuable thing you’ll ever own. That’s why we make it our mission to give you the support and inspiration you need to realize your dreams.

An Agent Committed to You

Our agents are always ready to help protect what matters most to you. Because we believe there’s more to insurance than just a policy. They’ll take the time to learn about you and your specific insurance needs and provide the dedicated support you deserve.

More Than Insurance

We’ve been protecting dreams for more than 90 years — but we’re more than just insurance. Community is at the heart of everything we do, and we make a point to play an active role. From bringing people together at a One Saturday experience to sponsoring large-scale charity events like the American Family Insurance Golf Championship to building dedicated spaces for dreaming, like DreamBank, Madison, we do all we can to support the communities across our 19-state footprint. Want to know more? Let’s go make a difference.

Insurance Made Easy

Have questions about insurance? We all do! From glossaries of insurance terms to how to choose the right coverage, our resource section is full of helpful articles to help you navigate insurance.


NewBundleUpLogo-In blue and Red

Save 15% On Your Renters & 29% On Your Auto.*

Make things simple and save yourself money by making the smart choice to bundle. In fact, on average, you could save 29% on your auto coverage and 15% on your renters coverage.*

Get a bundled insurance quote today!

NewBundleUpLogo-In blue and Red

Save 15% On Your Renters & 29% On Your Auto.*

Make things simple and save yourself money by making the smart choice to bundle. In fact, on average, you could save 29% on your auto coverage and 15% on your renters coverage.*

Get a bundled insurance quote today!

Get an Estimate in Seconds

People Near You Pay
Per Month On Average

*Follow up with an agent for a more accurate quote

*The average customer who bundles can save these percentages on each policy. Discounts may vary by state, property, policy form and company underwriting the auto policy. Discounts may not apply to all coverages on an auto or personal property policy