Renters insurance that just makes sense

Getting coverage for yourself is a no brainer. But what about all your stuff? Your phone, laptop, bike, game console and all your other favorite stuff. We care about all that too. Waffle’s renters insurance covers you AND all your stuff at home or out and about. Now that’s insurance.

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See What Our #Wafflites Are Saying!

"I love how easy it is to set up service with Waffle. Just a few clicks and I already have renters insurance. Super convenient!!"
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Eliza

"Found this company because my policy had ran out and my landlord required that I have it. Waffle was easy to find, it was affordable and I had everything I need in literally a couple of minutes! Very impressive!"
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Lindsey

"I have previously added renter's insurance through my auto insurance provider which has been much more expensive and a hassle compared to using Waffle renter's insurance. This has been the best and easiest experience yet."
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Justin

"Everything we needed and more! Acquiring renter's insurance with Waffle was easier than expected and you can't beat the price. Thank you for making your website super user-friendly!"
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Jaclyn

"My complex doesn't require renters to have insurance but it's always better to have it and not need it than to need it and not have it. Waffle is affordable and you get a lot of coverage for pennies on the dollar."
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Dominique

"I love that I feel safe with my belongings In my home because I have coverage with Waffle!!!!!"
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Brittany

"Getting renters insurance took literally 5 minutes and there was a policy in my inbox. Where your typical insurance adjuster takes up a half your day trying to sell you on every type of insurance under the sun, Waffle let’s you pick exactly what you need and delivers as promised."
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Katelyn

"Waffle offered coverage for my personal property, while the insurance offered by the apartment complex did not and it was the same price."
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Todd

"As a young college student, I had never had to do something like this before. Waffle was so simple and it took all of 5 minutes for me to be insured!"
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Jilian

"I absolutely love Waffle! The prices are low per month. My house was actually burglarized and they were swift and prompt. Best of all I was paid accordingly."
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Alicia

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.

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Natural Disasters & Damaged Belongings
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Natural Disasters & Damaged Belongings

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 earthquake-tornado-thunder-lighting-avalanche storm! Take a breath of relief and remember you have Waffle.

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Fire and Smoke

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Lightning, Tornadoes, and Hail Damage

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Explosions

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Vandalism

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Replacements
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Replacement Cost

If something is damaged and needs to be fixed, the replacement cost insurance provides coverage for the cost to either repair the item or buy a new one. 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!

*Please note that coverage is subject to the policy’s terms, conditions, limitations and exclusions.

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Theft Protection
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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.

*Please note that coverage is subject to the policy’s terms, conditions, limitations and exclusions.

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Your Life Expenses
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Your Life Expenses

If the property you rent becomes uninhabitable, our coverage includes reimbursements for your life expenses up to the policy’s applicable coverage limit.
This may include expenses that you rack-up while maintaining your usual living standards such as:

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Hotel or Airbnb Bills

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Meals

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Commute Expenses

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and more!

FAQs

We’ve got answers to your renters insurance questions. Have additional questions? Contact our team below!

Can I add roommates to my policy?
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Yes! You can add up to 4 roommates for free under your insurance policy. You must make sure to add their information on the additional insured section. Have more than 1 roommate? Please contact our support team to make adjustments at support@waffleinsurance.com.

Is my spouse covered?
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Good news: your renters insurance policy will cover your spouse, biological children, and adopted children without any additional action on your part. We recommend adding their name to your policy (in our platform there is a section that asks for their info).

Can I add my landlord to my renters insurance policy?
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Yes! Place your landlord’s information in the additional interest section and they will be added onto your Certificate of Insurance.

Is water damage covered?
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Liability:
Your policy generally covers you if you are liable for property damage caused by an occurrence relating to water, subject to the policy's conditions, limitations and exclusions. There are, however, some exclusions in the policy which may supersede this, for example if the water related property damage arose out of your business pursuits.

A full list of exclusions can be seen in the sample policy here.

Contents:
Your contents are covered from the one-off accidental discharge or overflow of water or steam from a plumbing, heating, air conditioning or automatic fire protective sprinkler system; household appliance; or waterbed. As an example, if your air conditioning unit expelled water in a one-off incident and damaged your personal property, your policy would generally provide coverage for this, subject to the policy's conditions, limitations and exclusions.

Other damage caused by certain specific water-related events is excluded. For example, damage from flooding.

A full list of exclusions can be seen in the sample policy here.
Coverage is subject to all the terms, exclusions and conditions of the insurance policy. Please see the sample policy for further information.

No-Hassle Insurance In Only a Few Minutes.

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Contact our support team by emailing us at support@waffleinsurance.com.
Waffle, with offices located at 43 West 23rd Street, New York, New York 10010, USA is a licensed insurance producer and not an insurer. Waffle operates through Waffle Labs Inc (National Producer Number: 19499260). Waffle does business in California as Waffle Labs Insurance Agency. Coverage is subject to all the terms, exclusions and conditions of the insurance policy. Please see the sample policies for further information.

Waffle Labs, Inc. is a licensed insurance agency, not an insurer. Renters Insurance is underwritten by Markel American Insurance Company and produced by Waffle Labs, Inc.. Waffle Labs Inc. receives compensation based on the premiums for the insurance policies it sells. (2) Includes a $1,000 wind/hail deductible. A wind deductible is not allowed in AR, CT, GA, NY, NJ, or OK.