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How long does it take for renters insurance to take effect?

I’m moving out and into my first apartment next week. I’ve been so busy with everything else I totally forgot to look into renters insurance. If I buy some soon, how long will it take for my renters insurance to take effect?

avatar
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Renters insurance is always a smart idea, even at the last minute! And luckily, most policies take effect the next day.
It’s actually one of the easiest (and cheapest!) types of insurance to obtain. That said, you’ll want to try and purchase a renters policy at least one day in advance of your move-in date or the date you’d like your policy to start.
Most home and renters insurance policies have limitations on effective dates, unlike
car insurance
, where you can normally purchase and start a policy the same day. Usually, renters insurance providers will require you purchase the policy one day in advance of your start date.
While you’re on the hunt for
renters insurance
, keep in mind that you can save more money by comparing quotes from multiple insurers.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
.
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. You can even bundle your policy with your
car insurance
for the most savings.
View full answer 
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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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