If you’re a renter, protecting your personal belongings should be a top priority, even if you don’t own your home. Renters insurance — also known as an HO-4 policy — is a homeowner’s insurance policy without coverage for the dwelling itself.
We identified the best renters insurance companies of 2020 through conducting more than 150 hours of research, including interviews with experts in the fields of insurance and real estate and vetting 21 insurers. We also analyzed over 400 data points on the companies as a whole — including customer satisfaction scores, complaint ratios, coverage options, and financial strength ratings. For details, read more about our methodology.
Money’s Top Picks
Erie Insurance: Best for Comprehensive Coverage
Erie Insurance is a fine choice for renters insurance for many reasons. Among the most important is that it offers several policy bundles that combine its base renters policy with