Renters insurance

Your Possessions,
Your Power

Your home is more than just a place to stay; it's a safeguard for what matters most to you.

Do You Own Any Of These?

Then You Need
Renters Insurance

Coverage Overview

Your Rental, Our Trusted Coverage

Enjoy worry-free living under the protection of our renters insurance, designed to make your life in your rented space seamless.

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natural disaster and covered perils coverage
Covered Perils
Fire & Smoke
Windstorm & Hail
Ice, Snow, Sleet, Freezing
Volcanic Eruptions
And More!
personal property damage coverage
Additional Belongings Damage
Power Surge
Riot or civil commotion
Pipe Bursts
And More!
renters theft protection coverage
Theft Protection

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.

personal liability coverage
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.

Legal Expenses
Medical Payments
hotel for additional living expenses coverage
Additional Living Expenses

If your place is damaged & becomes uninhabitable by a covered disaster, 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:

Hotel & Airbnb bills
And More!
replacement cost renters
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:

And More!
roommate coverage

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.)

mold coverage for apartments

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

Share the Coverage,
Split the Savings

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

Underwritten by
assurant renters insurance logo

Aligned with Industry Powerhouse Assurant

125 years of experience
125+ Years of Experience

Reliable expertise for over a century — making Assurant a trusted name in the industry.

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A+ BBB Rating

Proven excellence in customer satisfaction, setting the gold standard in insurance.

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World's Best Companies 2023

Recognized on the global stage by TIME Magazine as a standout company in 2023.

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America's Most Innovative Companies 2023

Innovation that speaks volumes — recognized among Fortune's Most Innovative Companies 2023.


See What Renters Are Saying

"You Can't Beat The Price"

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! I will definitely recommend Waffle to my friends and family!


"Delivers As Promised"

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.


"Should've Signed Up Sooner!"

Should've signed up sooner!
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!


"Easiest Experience Yet"

Best and Easiest Experience Yet Obtaining Renter's Insurance! Fast and easy process to obtain great renter's insurance. 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.


"Ease Of Sign Up"

I was impressed with the ease of signing up, the low cost and the fact that Waffle offered coverage for my personal property while the insurance offered by the apartment complex did not and it was the same price.


"From No Insurance To Fully Covered"

From No Insurance to Fully Covered. 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.


Frequently asked questions

How do I view my policy documents?
Is renters insurance required by law?
How do I file a renters insurance claim?
Can I get renters insurance with a roommate?
Do I need renters insurance if my landlord has insurance?