Personal property
Covers your belongings and furnishings from covered damage or loss.
Renters insurance built for you
Build a personalized renters insurance policy that keeps you covered.
The renters insurance you deserve
Your home is always worth protecting. With a policy for your apartment you can protect your things, yourself, and your guests.
Save your way
From discounts to dividends, discover ways to save on your renters insurance.
Bundling discounts
Save up to 30% when you carry multiple policies with Amica.1
Smart home discounts
Save with smart devices that protect your property.2
Dividend policies
You could get a percentage of your premiums back at every renewal.3
The more you're protected, the more you save
When you bundle policies, you get more of Amica's world-class service for less.
Renters insurance FAQs
Yes, renters insurance is protection that follows you wherever you go. It protects items in your car, while you’re on vacation, and even offers limited coverage for items stored in a storage unit.
Your renters policy will likely cover any damage that your pet causes to other people’s property. However, if your pet damages your property, there’s no coverage for repairs.
Typically, renters insurance averages between $13 and $30 a month, depending on your needs and location.
Start by taking inventory of your belongings room by room, including clothes, electronics and furniture, to determine how much coverage you need.
Liability limits typically start at $100,000, but you should check if your landlord or property management requires a higher amount.
There’s more to learn about renters insurance
Are You Covered By Renters Insurance When You Travel?
What Is Landlord Insurance?
What Does Renters Insurance Cover?
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You can try our resource center for more information.
Coverage options and discounts not available in all states and may vary. Multiline discount must include the combination of all three product lines and applies only to your Amica auto and/or home policies.
Discounts not available in all states and may vary.
Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
AMIC-01-051427