Can You Buy Renters Insurance for a House?

Enter your ZIP code to get started


Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byRae Osborn
ByMark Fitzpatrick
Edited byRae Osborn

Updated: March 15, 2024

Advertising & Editorial Disclosure

You can purchase renters insurance for various types of units, including houses, apartments and condos. Regardless of the specific rental unit, whether it's a whole house or just a room, getting renters insurance is always a good choice.

It provides coverage for personal belongings and liability protection, ensuring that renters can protect their assets and mitigate potential financial risks, no matter the type of accommodation they choose. This flexibility allows individuals to secure the necessary protection for their unique living situations.


Can You Purchase Renters Insurance for a House?

Yes, you can purchase renters insurance for a house — the type of unit, whether it’s a house, apartment, condo or a room, has no bearing on your insurance. Renters insurance is a financial safeguard regardless of the type of home you’re renting, and it follows you wherever you go, even when you travel and go on vacation.

Renters insurance covers your personal belongings and provides liability protection. It shields you from unexpected events like theft, fire or certain types of damage. It's a smart choice for anyone renting a place, ensuring peace of mind in various living situations.

Do You Need to Purchase Renters Insurance for a House?

While renters insurance is not legally mandated, your landlord may require it to lease the house to you. Even if it's not a legal requirement, it's highly advisable to have renters insurance for a house. Here's why:

  • Protection for Your Belongings: Renters insurance covers your personal belongings, including furniture, electronics and clothing, against unforeseen events such as fire, theft or vandalism.
  • Liability Coverage: It provides liability protection in case someone is injured on your property, helping to cover medical expenses or legal fees if you're found responsible.
  • Additional Living Expenses: If your house becomes uninhabitable due to a covered event, renters insurance can assist with temporary living expenses while repairs are made.

Aside from those coverage benefits, you can also tailor your policy to suit your needs, ensuring you have the right level of coverage for your unique situation. Renters insurance is also generally affordable, offering valuable protection for your investments without breaking the bank.

How Much Does Renters Insurance Cost For A House?

On average, the cost of renters insurance for $20,000 in personal property coverage is $13 per month. The exact price can vary depending on several factors, including your location, the level of coverage you choose and your deductible. This cost is a small price to pay for the valuable protection it provides for your belongings and liability coverage, offering peace of mind while you enjoy your rented home.

Keep in mind that you can compare renters insurance quotes from different providers to find cheap renters insurance and customize your policy to meet your specific needs and budget.

Personal Property Coverage Limit
Average Monthly Rate








Purchasing renters insurance for any type of home you are renting is a smart choice and gives you financial security. Our frequently asked questions clarify any confusion you may have about getting renters insurance for different types of dwellings.

Can you buy renters insurance for a house?
Can you get renters insurance for a room within a house?
Can you get renters insurance when you live at a friend’s house?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.