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Free renter insurance cost calculator for apartment and house renters — personal property, liability, deductible, and bundle assumptions—not a carrier quote.
Last updated: April 18, 2026
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Coverage C — your stuff (furniture, clothes, electronics), not the building
Approximate monthly premium
$15.21 / mo
About $182.50 per year
Notes
Your stuff
Limit-driven
Scale coverage to the cost to replace your belongings.
Limits
$100k–$500k
Higher limits often add a small premium increase.
Tradeoff
Higher → lower rate
Balance premium savings vs out-of-pocket if you file a claim.
ZIP-level effect
Low / avg / high
Weather, crime, and fire risk vary widely by area.
With auto
Illustrative discount
Many carriers reward renters + auto on one bill.
Disclaimer
Illustrative
Compare real quotes for binding premiums and coverage wording.
Default: $30,000 personal property, $300k liability, $500 deductible, average location, no bundle:
Approximate monthly premium
~$15.21 / mo
We start from a base annual premium plus an amount tied to your personal property limit, then apply multipliers for liability level, deductible, regional risk band, and an optional bundle discount. The result is clamped to a plausible planning range and split into monthly and annual figures—useful for comparing scenarios, not for underwriting.
More personal property coverage → generally higher premiumHigher liability → modest increaseHigher deductible → lower premium (usually)Higher location risk → higher premiumBundle with auto → illustrative discountActual underwriting may weigh credit-based scores, pets, prior claims, and building features more than this model.
Raise coverage or switch to “high” risk to see sensitivity
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Get a Custom CalculatorScheduled jewelry, musical instruments, or business property may need endorsements not reflected here.
Not an insurance quote; for education and estimation only.
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