Renters Insurance Cost Calculator

Typically 12–25 a month for 25,000–30,000 of property coverage plus 100,000 liability. It's priced per unit of stuff, not per bedroom — a studio with 10,000 of gear pays less than a family flat with 40,000.

Your belongings against theft, fire, water damage from burst pipes, and often items stolen from your car. Plus liability if a guest is injured and additional living expenses if the unit becomes unlivable. Floods and earthquakes need separate policies.

For the price of two coffees a month you protect against four- and five-digit losses — one stolen laptop or one grease-fire claim repays a decade of premiums. Many landlords now require it precisely because liability claims dwarf property ones.