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I pay $125 a year with State Farm, which works out to about $10.42 a month. While it might be a few dollars more than some of the really cheap options I saw, I like knowing they have a good reputation and even send me a birthday card every year, which makes me feel like they care.
I have Farmers and pay $35 a month, which is definitely higher than some others. However, when I had water damage in my apartment, they came through for us nicely several times over the 17 years I’ve been with them. Sometimes paying a bit more is worth it for reliable support.
I saw some policies for around $10-$12 a month, but they only offered around $10,000 to $15,000 in coverage. When I actually thought about the cost of replacing all my furniture, electronics, and clothes, that amount wouldn’t even scratch the surface. I opted for a policy with higher coverage, even though it costs me $25 a month.
I initially went with a cheap policy for $15 a month, but I learned the hard way that they didn’t cover theft that happens off-property. My bike was stolen, and they denied my claim, so now I’m looking for a new insurer with better coverage for my specific needs, even if it costs a bit more.
My apartment complex offered renters insurance for $13.75 a month, but I decided to get a quote from Nationwide and found a policy for under $20 a month with $100,000 coverage. I read online that the insurance offered by complexes sometimes only protects the building, not your personal belongings.
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