Renters coverage that's actuallyclearcheapyoursplainclear
Your landlord's policy covers the building, not your things or your liability. Renters fills both for less than most people expect. We shop it across 20+ carriers and explain exactly what it does.
Renters coverage, line by line.
What a renters policy covers, and why it is one of the best values in insurance.
| Coverage | What it covers | Good to know |
|---|---|---|
| Personal property | Your belongings, at home and away from it | Replacement cost is worth asking for by name |
| Personal liability | If someone is hurt in your place or you are sued | Higher than most renters realize they have |
| Loss of use | A place to stay while your unit is unlivable | Pays your added living costs after a covered loss |
| Medical payments | Minor injuries to a guest, no fault required | Settles small incidents without a liability claim |
| Off-premises theft | Your laptop or bike stolen away from home | Coverage follows your things, not your address |
| Scheduled valuables | Jewelry, instruments, and electronics, itemized | Buys agreed value and a lower deductible |
Many leases now require renters insurance. We place it fast and send the certificate the same day.
Lease asking for proof of coverage? We can place it and send the certificate today.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Renters coverage, answered.
The questions renters ask before they buy.
Your landlord's policy does not cover your belongings or your liability, only the building. Renters covers both, and many leases now require it. For what it costs, it is one of the easiest calls in insurance.
You are insuring your possessions and liability, not a whole building, so the limits and the price are smaller. Bundling it with auto often makes it cheaper still.
Enough to replace what you own if it all disappeared. Walk a room in your head, furniture, electronics, clothes, and the number adds up faster than people expect. We help you set it right.
Usually not unless they are named. Each person generally needs their own policy. We will tell you how to structure it so nobody is left uncovered.
Yes, and it is one of the easiest ways to lower both. We check whether bundling serves you better across the carriers we shop.
Ready when you are
Tell us about your place. We will place renters coverage and send proof the same day.
Renters usually pair with
Umbrella coverage
An extra layer of liability over your renters and auto, for not much a month.
Explore umbrella