Renters Insurance
Affordable Coverage for Less Than $1 a Day
Get Renters Insurance in Minutes
Protecting your belongings has never been easier or more affordable. Renters insurance from Avanta Seguros offers coverage beyond just your personal property—it can also help with medical expenses from covered incidents and additional living expenses if your home becomes uninhabitable due to a covered loss.
Get a fast and personalized renters insurance quote online today and discover how simple it is to secure low-cost protection tailored to your needs.
Is Renters Insurance Required?
While renters insurance isn’t legally mandated, many landlords and property managers require it as part of the lease agreement. Even if it’s not required, having coverage ensures your belongings are protected in case of fire, theft, or other covered damages.
Comprehensive Renters Insurance for Peace of Mind
Renters insurance safeguards you from unexpected events such as theft, property damage, and liability claims. Every Avanta Seguros policy includes four essential coverages with customizable limits:
Personal Property Protection
Covers your belongings—such as furniture, electronics, and appliances—against theft, fire, vandalism, and certain weather-related damages.
Example: If your apartment is burglarized and your laptop is stolen, your policy may reimburse you for its replacement, minus your deductible.
Liability Coverage
If you’re found responsible for an injury or property damage, liability coverage may pay for medical bills, lost wages, and legal fees.
Example: A guest slips and falls in your apartment during a gathering. If you’re liable, renters insurance may help cover their medical expenses.
Loss of Use
If your rental becomes uninhabitable due to a covered loss, this coverage may help with temporary living expenses, such as hotel stays and meals.
Example: A fire damages your kitchen, and you need to stay in a hotel during repairs. Your policy may reimburse you for these additional costs.
Medical Payments to Others
Covers medical expenses if someone is injured in your home due to a covered occurrence, regardless of fault.
Example: A visitor slips on your icy doorstep and sprains their wrist. This coverage can help pay for their doctor visits and treatment.
Frequently Asked Questions About Renters Insurance
How to Get a Renters Insurance Quote
Personal Details – Provide your full legal name, date of birth, and rental address.
Policy Start Date – Select when you want your coverage to begin; starting at least one day in advance may qualify you for a discount.
Coverage Details – Customize your policy by estimating the value of your belongings and adding any endorsements you need.
How much renters insurance do I need?
The right coverage depends on:
- The total value of your belongings—taking inventory can help determine the amount of personal property coverage you need.
- Your net worth—ensure you have enough liability coverage to protect your assets in case of a lawsuit.
What’s the Difference Between Condo Insurance and Homeowners Insurance?
Both policies cover personal belongings, liability, and additional living expenses, but the biggest difference is that condo insurance does not cover the exterior structure of your home—this is typically covered by your condo association’s master policy. Additionally, condo insurance may not provide liability coverage for injuries that occur in common areas such as hallways, parking lots, and shared amenities.
How much does renters insurance cost?
Renters insurance starts at less than $1 a day, with costs varying based on location, coverage limits, and other factors.
Does renters insurance cover theft?
Yes, your policy may cover stolen or damaged belongings due to theft, whether at home, in your car, or while traveling. Coverage is subject to policy limits and deductibles.
Does renters insurance cover pet damage?
If your pet damages someone else’s property, liability coverage may help cover the costs. However, damage to your own rental unit is your responsibility.
Does renters insurance cover water damage?
Water damage from covered events, such as fire suppression efforts, may be included. However, flood damage is not covered—consider adding a water backup endorsement if available.
What’s the difference between renters and landlord insurance?
Renters insurance protects your personal belongings, while landlord insurance covers the physical structure of the rental property. Your landlord’s policy won’t cover your personal items, so renters insurance is essential.
Protect Your Space and Your Stuff
Rent confidently with coverage for your belongings, liability, and living expenses after a covered loss.
Follow us on
Copyright 2025 Avanta. All Rights Reserved by Cserve Technologies