Renters Insurance Calculator

Estimate renters insurance costs for your apartment or rental property. This tool calculates premiums based on personal property value, liability coverage, location, and additional options.

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Enter Your Rental Information

Annual Premium by Property Value ($100k Liability)

Sample Calculations

Example 1: Young Professional Apartment
Property Value: $15,000, Liability: $300,000, Deductible: $500, Type: Apartment, Location: Urban, No Pets
Estimated Monthly Premium: $15 - $20
Example 2: Family Rental House
Property Value: $50,000, Liability: $500,000, Deductible: $1,000, Type: House, Location: Suburban, With Pets
Estimated Monthly Premium: $25 - $35
Example 3: Luxury Condo
Property Value: $100,000, Liability: $1,000,000, Deductible: $500, Type: Condo, Location: Urban, No Pets
Estimated Monthly Premium: $40 - $55

Data Sources & Methodology

Data Source: National Association of Insurance Commissioners (NAIC)
Last Updated: January 2026
Reference: View Sources
  • National Association of Insurance Commissioners (NAIC) - Renters insurance data
  • Insurance Information Institute - Consumer surveys
  • Zillow - Rental market analysis
  • State insurance departments - Rate filings