Affordable Renters Insurance
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Your landlord’s policy doesn’t cover your stuff. With GM Auto Insurance, you can compare renters insurance options from licensed carriers and get the protection you need at a price that fits your budget.
Why Renters Insurance Matters?
Renters insurance helps pay to replace your belongings after covered events like fire, theft, or water damage—and it can protect you if someone gets hurt in your home. Premiums are typically affordable, and the right policy can save you thousands after a loss.
With GM Auto Insurance, you can:
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Compare multiple carriers in one place
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Customize coverage and deductibles
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Check for discounts you may qualify for
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Connect with licensed agents to finalize your policy
What Renters Insurance Covers
Personal Property
Pays to repair or replace your belongings (furniture, electronics, clothing) after covered perils.
Personal Liability
Helps cover legal and medical costs if someone is injured in your home or you damage someone else’s property.
Additional Living Expenses (Loss of Use)
Covers hotel, meals, and other costs if a covered loss makes your rental uninhabitable.
Medical Payments to Others
Pays smaller medical bills for guests injured in your home, regardless of fault.
Optional Add-Ons
Scheduled coverage for jewelry, art, or high-value items
Replacement cost vs. actual cash value
Identity theft coverage
Water backup coverage
How Much Does Renters Insurance Cost?
Rates depend on your location, building type, coverage limits, deductible, and security features. Many renters secure coverage for less than the price of a weekly coffee. Comparing quotes ensures you don’t overpay for the protection you need.
(Tip: Choosing a higher deductible and installing safety devices can lower your premium.)
Discounts You Might Qualify For
You might qualify for these common savings:
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Multi-policy (bundle with auto)
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Protective devices (smoke alarms, deadbolts, monitored alarms)
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Claim-free discount
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Paperless & auto-pay
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Good credit (where allowed)
How It Works
Enter Your ZIP Code
We’ll show carriers available in your area.
Answer a Few Questions
Tell us about your rental, belongings, and coverage preferences.
Compare & Choose
Review side-by-side quotes and pick the policy that fits your needs—no obligation.
Why Renters Choose GM Auto Insurance
Free, No-Obligation Quotes
You can compare as many times as you want.
Fast, Easy, and Secure
Our process takes just minutes and your data is encrypted.
Real Carriers, Real Agents
We partner with licensed providers nationwide.
No Spam or Cold Calls
Your information is shared only with the insurer(s) you consent to.
Common Home Insurance Questions
Is renters insurance required?
Some landlords require proof of renters insurance. Even when it’s optional, it’s a smart, low-cost way to protect your belongings and liability.
Does renters insurance cover my roommates?
Policies typically cover the named insured(s). Roommates usually need their own policies unless both names are listed—check the policy specifics.
Are my belongings covered outside my apartment?
Many policies cover your items wherever they are, up to policy limits (e.g., items stolen from your car). Limits and exclusions apply.
What’s replacement cost vs. actual cash value?
Replacement cost pays to replace items at today’s prices; ACV deducts for depreciation. Replacement cost usually costs a bit more but pays more at claim time.
Do I need renters insurance if my landlord has insurance?
Your landlord’s policy covers the building—not your personal property or your liability.
Ready to Get Covered?
Protect your belongings and your peace of mind.