Renters Insurance Cost

Renters Insurance Cost
Obtenga una cotización de seguro para arrendatario de The Hartford para proteger sus objetos personales.
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

¿Cuánto cuesta el seguro para arrendatario en promedio?

The average cost of renters insurance in 2018 was $179 per year in the United States. Renters insurance costs are influenced a lot by where you live and considering the size of the U.S., this can vary widely. Both your home’s location and state will influence your rental insurance costs. For example, an average renter can pay $126 a year to insure their rented apartment or house in North Dakota. However, this figure would average $252 a year in Mississippi.2
Typical renters insurance costs are between $11 and $21 per month ($127 and $252 per year).2 This is an estimate to give renters of apartments and homes an idea of the cost of renters insurance. Your individual renters insurance quote will depend on the location of your rental unit, the amount of liability protection you choose, and any additional riders or options for your personal property added.
For example, having an address in the middle of tornado territory or hurricane area can drive the average rental insurance cost up compared to locations not in those areas. Also, increasing the limit of valuable jewelry or electronics or getting extra liability coverage will increase average seguro para arrendatario costs. Keep in mind that liability coverage will help cover the costs associated with another person’s injury on and off your property, and for damage done to others. For example, say you throw a dinner party and one of your guests trips, falls and hurts their leg on an uneven surface in the apartment. Your liability coverage will help pay the medical bills needed for healing their leg.

Renters Insurance Cost Varies Based on Four Factors

Renters insurance rates can depend on factors such as the geographic location of the rental apartment or home and the estimated value of your personal items if you were to replace all of them. One of The Hartford’s experienced insurance agents can help you determine an estimate of the value of your personal belongings and give you a renters insurance quote online or over the phone.

Rental Location

Location is a major factor for determining the cost of your renters insurance. The location of your apartment can tell a lot about what may happen to the property in the future. For example, rates go down for rental properties located in an area with less crime. In contrast, rental properties located in an areas prone to natural disasters such as earthquakes, tornados or hurricanes will likely have higher rates. For example, properties in Florida or Texas may have higher rates due to risk of hurricane damage. Determining the rate involves expected future happenings based on your rental location and its property coverage.

Rental Insurance Type of Coverages

Rental insurance can fluctuate depending on what part and how much of your personal property you want to be covered. For example, if you are going to cover $30,000 of your personal property or belongings, you would expect to pay more than if you wanted to cover only $10,000. When choosing what you want to include in your rental insurance coverages, take an inventory of your assets. This will help you understand the level of coverage you need for your personal belongings.
To effectively inventory your assets, you will need to document items of value. Start by making a list of items. From there, take photos and videos of each item. This can help prove ownership of items in the event of a loss. Also, include descriptions, serial numbers, receipts, appraisals, the date each item was purchased and how much it cost. Be sure to include any warranties you have for items.
Su home inventory should include items such as furniture, appliances, electronics and special equipment. Clothing, books and kitchen utensils can be included by tallying the number of each type you own. Remember to store your inventory in an accessible place and create a backup copy. Google Docs is a good option for your backup. Over time, your assets will change and evolve. This means that you will need to update your inventory regularly.

Insurance or Credit Score

Credit and insurance scores are used to calculate your renters insurance premium, but only in states that allow it. Your insurance score is generally derived from information on your credit report. Insurance companies like The Hartford use this information because historical data suggests a correlation between your credit history and insurance risk. The higher your credit score, the lower the cost of your renters insurance premiums.

How to Save on Your Renters Insurance Cost

When you bundle your car and renters insurance with The Hartford, you save on both policies.   with The Hartford, you save on both policies. With the AARP® Auto & Rental Insurance Program from The Hartford,1 you can receive savings of up to 20% on the cost of your seguro para arrendatario and up to 5% on your auto insurance.**

Crédito por servicio de seguridad las 24 horas

¿Quiere ahorrar aún más? If your apartment or rental unit features a 24-hour security service or has a monitored security system, you could receive a credit on your renter insurance rates. Verifying this can be as easy as checking with your landlord.

Rental Insurance Renewal Credit

Continue to renew your affordable home renters insurance policy with the AARP® Rental Insurance Program from The Hartford and watch your savings grow.
La disponibilidad de créditos o ahorros puede variar según el estado o el plan de la póliza.
** El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y viviendas AARP de The Hartford.
Definición de seguro para arrendatario

¿Qué es el seguro para arrendatario?

Conozca el seguro para arrendatario de The Hartford.
definición de seguro de viviendas

El seguro de viviendas en pocas palabras.

Respuestas rápidas y definiciones del seguro de viviendas fáciles de entender, pensadas para usted.
Para conocer más, consulte nuestra página de definiciones del seguro de viviendas.  
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.