Renters Insurance

Renters’ insurance may cost less than you think and save you so much more.
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When you rent an apartment, townhouse or home, renters’ insurance just makes financial sense. For about the cost of a restaurant meal each month, renters’ insurance could save you thousands of dollars and help you recover faster after a covered event, like a fire, tornado or theft.

What’s covered by renters’ insurance

Renters insurance typically covers the following:

  • Personal belongings. Would you like help covering the cost of replacing damaged or stolen personal belongings – whether they’re at home, in your vehicle or on vacation with you?
  • Additional living expenses. Would you like help covering the cost of living elsewhere when you’re unable to live in your rented home due to a covered loss, like a hurricane or tornado?
  • Protection for medical expenses. If someone is accidentally injured, either at your residence or accidentally injured by you elsewhere, could you afford to cover the costs?

Grange’s 3 levels of protection

Grange PinPoint Renters® insurance offers three coverage levels – Base, Boost and Advanced – so you can find and choose the right amount of insurance protection for your lifestyle.


  • Simple protection for your personal belongings
  • A good choice if… Your risk exposure is low and you want to pay less for insurance.


  • Additional financial protection for your belongings (with higher coverage limits)
  • A good choice if… You own more and have some risks, such as owning a dog or having guests over, and want more insurance protection.


  • Available if you’re insuring $35k in personal belongings (with even higher coverage limits)
  • A good choice if… You own many things, some of high value, and would have a hard time covering the cost to replace them.

Other insurance coverage for renters

Additionally, you can choose to add on insurance coverage for:

  • Identity theft and cyber threats. Identity theft and cyber coverage can help you recover from a cyberattack or stolen identity. Learn more
  • Jewelry and valuables. Protect high-value items, like an engagement ring, collector’s items or a family heirloom with insurance. Learn more
  • Extra liability. An umbrella policy provides extra liability coverage to protect you from covered accidents that result in an expensive lawsuit. Learn more

Protect your stuff and your financial future

Start protecting the things you care about inside your four walls – and beyond. Talk to your independent insurance agent about the benefits of renters insurance and the discount you could receive when you bundle it with your Grange auto insurance. Get a renters insurance quote from an independent agent near you!


Ready for a quote?

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Why we work with independent insurance agents

*Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.