Renters insurance explained
How much renters insurance do you need?
The quote hands you a default and waits. The right limits are the ones that match what you own and what your lease asks for. This guide is about choosing those amounts on AmTrust renters insurance through Sure, not about what a policy costs.
A quote can’t show you a price until you pick a few numbers, and most renters pick them in about four seconds. Personal property and personal liability are the two amounts that matter most. Choose them from what you actually own and from what the lease actually says, then read the sublimits so one category isn’t quietly capped below the rest. The coverage guide explains what those parts do. This one is about how large to set them.
Two amounts do most of the work
You can change limits while you quote, and nothing locks in until you buy. So before you accept the default, take a minute to write down what you’re protecting.
Personal property
This limit is the main ceiling for belongings you own after a covered loss. Furniture, clothing, and everyday electronics usually live inside it. Walk room by room and price what it would cost to replace each thing. A guess that only counts the couch comes up short once you open the closet and the kitchen cabinets.
The limit isn’t a cash balance you can spend on any loss. The cause still has to be covered, and a deductible may apply first. The coverage guide explains how deductibles work.
Personal liability
Leases often require a minimum liability limit, so set the quote to at least that number and you’ll have a policy that matches the clause. The same limit is the ceiling on covered sums you’re legally responsible to pay if someone is hurt or their property is damaged.
A lease minimum is a floor for the contract you signed. It isn’t a recommendation that every renter stop there. Choose with the lease in one hand and an honest sense of your own risk in the other.
List what you own before you pick a number
Open a note on your phone and go through the rental. Clothes, the bed, the table, the pans, phones, computers, the bike in the hallway, and anything you’d replace after a fire or a theft. Think in replacement cost, meaning what a new version would run you today, then check whether the quote is offering replacement cost or a different settlement basis.
On this product, replacement cost is an optional coverage where it’s available. Not every policy pays the price of a new item, so read the quote summary before you count on it.
The big number can still hide a smaller cap
A sublimit caps one category even when the overall personal property limit looks roomy. Jewelry, watches, and a few other high-value items are the usual surprise. If a single item is worth more than its category cap, look for scheduled personal property on the quote.
The jewelry guide covers scheduling and the product maximum for scheduled items. Raising only the headline property limit won’t make a ring fully covered.
Read the lease before you finish the quote
Look for three things: a liability minimum, the address that has to appear on the policy, and the date coverage must start. Each of those belongs in the quote. If a clause is vague, ask the landlord what they’ll accept. Sure doesn’t write your lease terms.
Choosing a limit and sending proof are separate steps. Once you’ve bought, the landlord proof guide covers which document to send and how to get it from your Sure account.
The quote is where the amounts become real
Start a quote for AmTrust renters insurance through Sure and enter the rental address. Set the personal property limit from your list and the liability limit from the lease and your own judgment. Then read any optional coverage that changes a sublimit or the settlement basis.
Premium and the factors that move it stay on the quote, where you can see the price for the exact limits you chose. A quote isn’t active insurance until you buy and the effective date arrives.
The defaults are a starting point. Your list is the plan.
This page provides general information, not legal or claims advice. Policy documents control coverage.
Frequently asked questions
How to choose personal property and liability amounts without treating the defaults as a plan.