Do you need home contents insurance when renting?

I am about to start renting for the first time! I’ve lived with my parents up until now. Do I need any type of home or contents insurance?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question! Some landlords may require renters insurance, but it is not legally required. However, home contents insurance when renting is a good idea.
First, it’s important to understand what you’re covered for.
Renters insurance
covers your possessions, plus offers liability insurance for incidences on your rental. However, it does not cover the structure of the rental itself. This is never your responsibility—the tenant’s insurance will cover the actual building.
Renters insurance is one of the best deals in insurance—for widespread coverage, the average U.S. renter insurance policy only costs $159 a year!
If you want to get renters insurance even cheaper, you should bundle it with your auto insurance. To find the best possible bundling deals, you should download Jerry.
is a licensed insurance broker that makes it easy to save on your insurance costs. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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