Many renters overpay by buying separately or carrying more coverage than they need.
Ways to save
Often makes renters insurance close to free.
Easy Good savingList what you own and its replacement cost.
Easy Small savingA slightly higher deductible lowers the premium.
Easy Small savingStep by step
- List your belongings and what they would cost to replace.
- Get quotes with your car insurer and at least one other.
- Check whether your landlord requires a minimum liability amount.
What to say
Hi, I’d like to add renters insurance to my auto policy. What does the multi-policy discount come to, and what would the total be?
When
At move-in, or when your car insurance renews.
Watch out for
- Policies that pay actual cash value, not replacement cost.
Did it work? What readers report
Real results from people who tried these steps on their renters insurance bill. "Worked" means they got a lower price; savings are per month, counting only people who saved something.
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Tried one of these? Tell us how it went
See results for every bill on what worked.
General information, not financial, legal or insurance advice. Terms vary by provider and state.
Frequently asked questions
What is the fastest way to lower my renters insurance bill?
Bundle with car insurance. Often makes renters insurance close to free.
When should I shop for renters insurance?
At move-in, or when your car insurance renews.
What worked for readers
Cut your Renters insurance bill? Tell us what worked. The first good one goes right here.
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Questions from readers
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