RENTERS INSURANCE

Protect Your Stuff, No Matter Where You Go!

Your home is more than just a place to live - it's where you keep your most precious possessions! From your phone and laptop to your bicycle and TV, your stuff deserves to be protected. That's why we offer Renters insurance that covers YOU and your belongings, no matter where you go.

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Underwritten by:
assurant renters insurance logo
Waffle Renters Insurance

Share the Coverage,

Split the Savings

From spouse and dependents to your roommates1  - safeguard everyone under one affordable renters insurance policy.

renters insurance covers your spouse and domestic partner
Spouses
renters insurance covers your roommate
Roommates1
renters insurance covers your dependents
Dependents

So much good stuff you’ll forget about the bad.

We like our coverage like our name likes fried chicken. Renters Insurance that keeps up with a modern you at a price that’s extra crispy.
Natural Disasters

Covered Perils

It’s a lovely day in the city. Suddenly, things start shaking, gusts of wind rattle the windows, and the power goes out. You look out and your eyes widen as you see a mega tornado-thunder-lighting-avalanche storm! Take a breath of relief and remember you have Waffle.
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Fire & Smoke
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Lightning
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Windstorm & Hail
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Ice, Snow, Sleet, Freezing
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Volcanic Eruptions
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And More!
Living Expenses

Additional Living Expenses

If your place is damaged & becomes uninhabitable by a covered disaster (and we're not talking about your roommate's cooking), don't worry! We'll cover your costs in excess of normal living expenses up to policy limits so you can keep living your life without skipping a beat such as:
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Hotel & Airbnb bills
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Meals
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And More!
Belongings Damages

Additional Belongings Damage

We don't just cover your personal belongings in the event of covered natural disasters. We also cover damages caused by other events, such as:
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Vandalism
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Explosions
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Power Surge
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Riot or civil commotion
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Pipe Bursts
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And More!
Personal and Property Damage Liability

Personal Liability

We'll take care of damages to your home or neighboring property because of fire, water2, smoke or explosion. And if a guest gets hurt, we'll cover medical payments to others and legal expenses.
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Legal Expenses
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Medical Payments
Replacement Cost

Replacement Cost

For approved claims, we'll reimburse you for what it actually costs to repair or replace things up to policy limits. (It's really that simple.) Helping to bring your favorite belongings back to life such as:
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Electronics
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Instruments
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Jewelry
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And More!
Theft protection

Theft Protection

Bike gets stolen at a coffee shop? Laptop swiped from your backpack getting that scone? Theft Protection covers your stuff if it's damaged or stolen at home or while out and about.

Even if your belongings are in storage or at your BFF’s apartment in Europe, we’ll reimburse you for things stolen.
Mold

Mold

We'll replace damaged belongings and take care of bodily injuries or property damaged by dry rot, fungi or mold. So you don't have to worry about any strange spots or smells in your bathroom.
*Coverage not available in all states
Roommates coverage

Roommates1

If anyone on your lease causes damage to your home or a neighbor's because of smoke, fire, water or explosion we'll take care of the expenses. (You take care of the scolding.)

Get More for Your Money in Select States!

In select states, you have the option to upgrade your renters insurance policy with additional benefits or access to exclusive coverage.

Water Sewer Backup

Water Sewer Backup

*Optional Upgrade In Select States

Nobody wants to take a dip in a murky sewer, so leave it to us - upgrade your policy, and we'll do the dirty work and cover the damages of a backed-up drain or sewer!

Earthquake coverage

Earthquake

*Optional Upgrade In Select States

An earthquake doesn't have to shake up your life - with this upgrade, you'll be covered for damages and any additional living expenses so you can focus on getting back on your feet!

Pet damage coverage

Food Spoilage

*Exclusive Coverage In Select States

No need to be afraid of the dark. If the lights go out and your food spoils, we'll help cover the cost of spoiled food. Coverage is subject to a special deductible.

Flood coverage

Bed Bugs

*Exclusive Coverage In Select States

Sleep tight without the bed bugs biting with coverage that pays for an exterminator, additional living expenses, and extra for damaged belongings up to policy limits.

1 - Roommate liability does not apply in the state of North Carolina

2 - Water damage liability does not apply in the state of North Carolina

*You are provided the following information pursuant to various state insurance laws, including, but not limited to, those of California, Massachusetts and Missouri. Each insurer has sole financial responsibility for its own products.American Bankers Insurance Company of Florida located at 11222 Quail Roost Drive, Miami, FL 33157 and contacted at (305) 253-2244. With the National Association of Insurance Commissioners’ ID #10111. Jurisdiction in US where authorized to do business includes all states & the District of Columbia. State of Domicile is Florida.American Security Insurance Company located at 260 Interstate N Circle - SE, Atlanta, GA 30339 and contacted at (770) 763-1000. With the National Association of Insurance Commissioners’ ID #42978. Jurisdiction in US where authorized to do business includes all states except New Hampshire. State of Domicile is Delaware. In UT coverage for this program is provided under form number AJ8850PC-0307. These companies operate under the trade name Assurant.