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Search by Quote ID → Search by Date of BirthSafeguard your belongings
Whether it’s for a flat-screen TV you just bought, the latest laptop computer, or your favorite living room chair that’s your haven for binge-watching, renters insurance safeguards your belongings in case of theft, fire, or some other covered loss. Renters insurance, also known as tenant insurance coverage, can also take care of medical expenses and legal defense costs if someone gets hurt while visiting your rented home. If you rent an apartment, condo, or house, Mercury gives you the peace of mind you need to feel at home.
Get the renters insurance policy that is right for you
Renters have a unique set of insurance needs. What happens if there's a fire and your couch gets damaged? You may not be able to replace it, but with the right coverage you’ll be reimbursed for its current value. What happens if your house guest slips and suffers a back injury? Insurance can cover their medical expenses and any resulting legal action.
No matter what rental insurance issue arises, we'll be there when you need us most, ready to lend a helping hand. Take a moment to review some of the coverages1 we offer before getting an online renters insurance quote or speaking to your Mercury Insurance agent about a renters policy. You'll be glad you did.
Benefits of renters coverage- Personal Property
- Provides coverage for your household items in the event of a fire, theft, or other covered loss.
- Additional Personal Property
- Provides additional coverage for antiques, fine art, jewelry, and other valuables.
- Personal Liability Protection
- Pays for bodily injury or property damage caused to others as a result of a covered incident.
- Guest Medical Protection
- Pays medical expenses for your guests who are accidentally injured on your property.
- Workers’ Comp Coverage
- Pays medical expenses for your personal part-time employees — e.g., nannies or maids — who are injured on the job.
What our Customers are Saying
Since 1962, millions of customers have trusted Mercury to provide them affordable and quality coverage for their home and auto needs. Read about their experiences.
Low Rates and Great Discounts
Looking for affordable renters insurance rates? Mercury Insurance policyholders may be eligible for a variety of discounts.2 We offer several for renters like you, including:
- Multi-Policy (Auto + Renters)
- Gated Community
- Selecting a higher deductible
- Smoke Alarms
- Security Monitoring
- Loss free discount
2Discounts and coverages may vary by state.
Frequently Asked Questions
Do I need renters insurance?
The law doesn’t typically require renters insurance as it does auto insurance, but landlords can stipulate that renters purchase insurance before they can occupy a rented property.
Without renters insurance, you will find you are on your own when it comes to replacing items lost to theft. Take inventory of all the belongings you own, and you may find that the value adds up to tens of thousands of dollars. A renters policy will also protect against costly liability claims.
Does renters insurance cover roommates?
Renters insurance doesn’t automatically cover your roommates or their personal belongings. Mercury offers an optional endorsement that can extend coverage to non-relatives living with you, but you’ll need to let your agent know when setting up your policy. Otherwise, it’s best for roommates to have their own renters insurance to make sure their stuff is protected too.
What does renters insurance cover?
Renters insurance provides financial reimbursement to cover a tenant’s lost or damaged personal property as a result of a loss covered by your policy, such as fire, theft or vandalism. It also provides liability protection for the policyholder if a person is injured on the premises of the rental property. Liability protection also applies if your dog bites someone at the property or elsewhere, like a park. Renters insurance can also provide compensation for your living expenses if your rental unit/home becomes uninhabitable due to a covered loss.
Does renters insurance cover earthquake and flood damage?
Renters insurance policies do not cover damage caused by earthquakes and floods, so you must purchase these important coverages separately. Carefully consider purchasing these additional policies, especially if you live in an area where flooding or earthquakes are common, as they cover the cost of replacing your personal belongings.
Does renters insurance cover fire damage?
Yes, renters insurance typically covers fire damage to your personal belongings (e.g., furniture, electronics, and clothing) if they’re damaged or destroyed in a fire. It can also help cover temporary living expenses if your rental becomes uninhabitable due to a covered fire.
Does renters insurance cover appliances?
It depends on who owns the appliance. Renters insurance may cover appliances you personally own if they’re damaged by a covered event like fire or theft. Built-in appliances are usually the landlord’s responsibility, so it’s a good idea to check your lease or speak with your agent about rental coverage.
Does renters insurance cover jewelry?
Yes, renters insurance can cover jewelry, but there’s usually a dollar limit. For valuable items like engagement rings or heirloom pieces, you may want to add extra coverage (also known as a scheduled personal property endorsement) to make sure they’re fully protected.
Can you cancel renters insurance at any time?
Yes, you can cancel your renters insurance policy at any time. Just reach out to your insurance company or agent to get started. Some providers might ask for written notice or charge a small fee, so check your policy first. If your lease requires coverage, make sure you have a new policy in place so you don’t run into any issues with your landlord. And if you’ve already paid ahead, you could get a refund for the unused time.
How do I get renters insurance?
You can get renters insurance by starting an online quote with Mercury. Just enter your ZIP code, answer a few simple questions, and get a personalized quote in minutes. You can also call (888) 976-4609 to start the process.
How do I file a renters insurance claim?
You can file a renters insurance claim online or by calling (800) 503-3724. Our team is here to guide you every step of the way and help make the process as smooth as possible.
What is renters insurance medical coverage?
Renters insurance medical coverage helps pay for medical bills if a guest is accidentally injured in your home, like from a fall or minor accident. It’s no-fault coverage, so your guest doesn’t have to prove you were responsible to get help with their expenses. This coverage doesn’t apply to you or anyone who lives with you, but it’s a helpful layer of protection for unexpected situations.