Save on Renters Insurance with Wawanesa
Affordable renters insurance coverage for around $12 per month.[1]
Already have a policy? Call 800-640-2920 so we can help you.
Is renters insurance right for you?
Renters insurance is a smart choice for anyone renting a home, whether it’s an apartment, condo, or house. While your landlord’s insurance covers the building itself, it doesn’t extend to your personal belongings. If your belongings are damaged or stolen due to fire or theft, you would need to pay for replacements out of pocket without the protection of insurance for renters
Wawanesa offers renters insurance designed to meet your unique needs. No matter the type of place you rent, our policies provide peace of mind with protection against unexpected losses.
Learn more about our coverage options and let us help you find a policy that fits your needs.
Affordable Renters Insurance Coverage by Wawanesa
Wawanesa offers rental insurance for around $12 per month[1]that will:
- Protect your personal belongings from damage caused by a covered event.
- Pay for additional living expenses if you need to temporarily move out after a covered event.
- Cover your personal liability (subject to policy limits) if someone is injured on the property or if you cause accidental damage to someone else’s property.
- Provide coverage for any medical expenses incurred by others (up to the limits of the policy) if they get injured on the property.
Get a Quick Renters Insurance Quote
Starting your new renters insurance policy is simple with Wawanesa. Get a personalized renters insurance quote online, where you can customize your coverage limits and deductibles to match your needs. If you own high-value items like jewelry, artwork, or professional equipment, extended coverage options are available to give those belongings extra protection.
You can even call us at 800-640-2920 to get same-day coverage. Wawanesa makes it easy to find the right policy with flexible options and competitive insurance quotes for renters.
Renters Insurance Discounts
Wawanesa offers several ways to save on your renters insurance premium. See how you can maximize your savings with our available discounts.
Wawanesa offers renters insurance discounts on the following:
Residence Protection Device Discount
Your home must be equipped with a combination of smoke or fire alarms, deadbolt locks on all entry doors, fire extinguishers, or burglar or fire alarms that report directly to the fire or police department or a central monitoring station.
Gated Community or Secured Building Discount [2]
Qualify for this discount if your home is in a gated community with a 24-hour security guard station or a secured building with a locked main entrance before accessing your residence.
Sprinkler Protection Discount [2]
Homes with automatic sprinkler systems may qualify for a discount:
- Full sprinklers: Cover all areas, including bathrooms, attics, closets, and attached structures.
- Partial sprinklers: Cover certain key areas such as the kitchen and/or living room.
Multi-Policy Discount[2]
Depending on your state, you may be able to bundle your auto and renters insurance policy to qualify for additional savings.
Check out all of our available renters insurance discounts to be sure you’re getting the best value for your coverage. Let Wawanesa help you save on your premium while protecting what matters most.
Types of Renters Insurance Options
With a renters insurance policy, you can customize your coverage to match your specific needs. Choose coverage limits based on the value of your personal belongings and decide on a deductible that works for your budget. Higher deductibles can lower your premium, while lower deductibles reduce your out-of-pocket costs when filing a claim.
If you own high-value items like jewelry, artwork, or electronics, you can opt for extended coverage. Wawanesa makes it easy to find flexible options that fit your budget, giving you peace of mind knowing your belongings are covered.
A basic renters insurance policy will cover:
Personal Property
Protects your belongings (clothes, books, electronics, furniture, etc.) from damage or theft.
Loss of Use
Helps pay for living expenses if you’re temporarily displaced due to a covered loss.
Personal Liability Protection
Helps pay and provides a legal defense for things like property damage, bodily injury or medical bills if you’re found liable.
Medical Payments to Others
Provides coverage for medical expenses if a visitor to your home is injured.
Optional Coverages
The coverages below can be added to your renters insurance policy for an additional cost:
Increased Limits
If you own items of a higher value, for example, sports equipment, jewelry, furs, paintings, firearms, silverware, goldware, etc., extended coverage limits are available.
Earthquake Coverage
Covers damage to certain items of personal property caused by an earthquake. Please note, earthquake coverage is subject to a special deductible.
Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money
This coverage increases your liability limits for losses if:
- Someone steals or uses your credit or debit card without authorization
- You get passed a forged check or counterfeit bills
Business Pursuits
This coverage protects certain business activities of the policyholder, with rates varying depending on the business activity. However, sole proprietorships or business partnerships are not eligible for this coverage.
Learn more about the ways to customize your renters insurance with the various optional coverages offered by Wawanesa.
Understand Your Renters Insurance Coverage
Renters insurance policies consist of a variety of coverages that provide protection in different situations. The coverages have different limits and may have an associated deductible. The following are terms commonly used in renters insurance.
Coverage
The protections and benefits included in your policy, subject to any limitations or exclusions.
Limits
The maximum amount your insurance will pay for a specific type of coverage, subject to limitations.
Increased limits
The amount of coverage provided by the policy is increased and can be added to a policy for an additional premium.
Policy
A contract between you and your insurance company.
Premium
The cost you pay to the insurance company for your renters insurance policy.
Deductible
The portion you pay out of pocket for a covered loss before your insurance company benefits are paid out.
Personal Property
Your belongings, such as furniture, electronics, clothes, jewelry, and other items that can be insured.
Loss of Use
Helps cover temporary living expenses if a covered incident requires you to temporarily leave your home.
Personal Liability Coverage
Helps protect you if someone makes a claim or files a lawsuit against you for injury or loss of personal property.
Effective Date
The start date of your renters insurance coverage. Events occurring before this date are not covered by the policy.
Declaration page
A summary of your policy, including details about your premium, coverage, limits, deductibles, and discounts. Always review this document for accuracy to avoid issues when filing a claim.
Find Your State’s Renters Insurance
Finding renters insurance is simple with Wawanesa. Get a personalized quote and see how affordable it can be to protect your belongings. Coverage often starts at around $12 a month,[1]offering budget-friendly protection for your personal property and liability needs.
You can also save more by applying available discounts, such as those for safety devices or bundling your policies. While renters insurance coverages vary by state, Wawanesa’s policies are designed to fit the unique needs of renters.
Explore your options today and let us help you find the right policy for your home.
Renters Insurance Frequently Asked Questions
Have more questions on renters insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.
Disclaimers
- Average premium cost of $12 per month for the states of California and Oregon, for a Wawanesa 12-month renters insurance policy for personal property liability limit of $15,000.↩
- Discount may not be offered in all states.↩
Please note that this website provides only a summary of renters insurance to generally illustrate how renters insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.