Finding the right renters' insurance for your college student doesn’t have to be complicated. We've gathered a list of top-rated companies offering affordable, student-friendly policies that protect belongings in dorms, off-campus apartments, and shared housing. Whether you're looking for low monthly rates, fast digital claims, or coverage that extends from your existing homeowners policy, these providers offer flexible options designed for campus life.
Scroll below to explore trusted renters insurance providers and compare coverage, pricing, and benefits all in one place.
Lemonade
Website: lemonade.com
Services: Renters insurance from $5/month. Fast quotes, modern app, and AI-powered claims.
Ideal for: Tech-savvy students in apartments or dorms.
Toggle by Farmers
Website: gettoggle.com
Services: Flexible coverage for renters with options like pet damage or side hustles.
Ideal for: Students who want add-ons or live with pets.
State Farm
Website: statefarm.com
Services: Traditional renters insurance, ideal for bundling with parents’ existing home or auto policy.
Ideal for: Students covered by their family’s existing plan.
Allstate
Website: allstate.com
Services: Renters policies with bundling options and digital claims.
Ideal for: Students with parents already using Allstate.
Progressive
Website: progressive.com
Services: Renters insurance with custom coverage and bundling discounts.
Ideal for: Off-campus students or budget-focused renters.
Nationwide
Website: nationwide.com/personal/insurance/renters/
Services: Renters policies via agent or online; known for reliable service
Ideal for: Students whose families work well with agents
Liberty Mutual
Website: libertymutual.com/property/renters-insurance
Services: Offers add-on coverages, mobile app, and bundling options
Ideal for: Students seeking flexible coverage through an established insurer
USAA
Website: usaa.com (must be military family eligible)
Services: Highly rated renters’ insurance available to military families
Ideal for: Eligible military/veteran students and their families
eRenterPlan (ResidentInsure)
Website: erenterplan.com
Services: Typically $15‑20/month; integrates with lease agreements
Ideal for: Students in leasing office-mandated plans