Like most other insurance (pet, homeowners, dental), renters insurance isn’t required by law. But in a disaster you definitely want to have a policy, and many rental properties may require it. That way, the resident and the rental unit are covered financially.
Renters Insurance
Protect your space and your peace of mind.
Affordable coverage for your belongings, liability protection, and more — all managed in the app.
What you can cover
Personal property
Furniture, electronics, clothing, and valuables are covered against theft, fire, and other perils.
Liability
Protection if someone is injured in your home or if you accidentally cause damage to others' property.
Additional living expenses
If your home becomes uninhabitable, coverage for temporary housing and related costs.
Fire & smoke damage
Fire and smoke ruin pretty much everything they touch. A renters insurance policy with Homebody covers the cost of replacing your stuff.
Theft & Burglary
Replacing your stuff (think laptop, TV, PC, gaming console) isn’t cheap. But Homebody can foot the bill if someone breaks in and steals your things.
Electrical Damage
A surprise power surge can ruin all those things you plugged into the wall. Renters insurance can cover the cost to replace your electronics.
Extra perks for Homebodies
Low premiums
Live at a Homebody property? Then you get the best possible pricing for your address.
Required coverage guaranteed
If you live at a partner property, we ensure you purchase a policy that meets all your communities requirements.
Instant proof of insurance
No need to upload proof of coverage. If you live at a partner property, your coverage is instantly added to your lease after you sign up.
Manage everything in-app
Get quotes and access your policy all from the same app you pay rent.
Comprehensive protection
Choose to add on identity theft protection and additional device insurance while you sign up for renters insurance.
Fully licensed agency
Homebody has a fully licensed insurance agency team and works with A++ rated insurance carriers.
Frequently asked questions
Do I really need renters insurance?
How do I file a renters insurance claim?
1. For policy numbers that start with RTH, call Markel American Insurance at (800) 236-3113.2. For policy numbers that start with PRH, call QBE at (844) 723-2524.
How do I set up a renters insurance policy?
You can set up your policy in 3-5 minutes. Call (877) 577-0850 or click “Get a Quote” on our website. In order to give you an accurate quote you will need to have your address, the name of your rental community, when you will be moving, and the names of all the adults living at that address. For all other policy types, call (877) 577-0850.
What is renters insurance?
Renters insurance is an insurance policy that provides monetary protection for your personal belongings against outside elements, i.e. fire, smoke, theft, water damage and explosion.Coverage for your personal belongings starts at $10,000 ($5,000 available in some states) with a maximum of $40,000 in coverage.
When does billing happen?
Billing is based on the policy’s start date and will bill 3-15 days before the start date, depending on the type of policy and carrier. Occasionally we must perform a mid-billing cycle catch-up payment that won’t occur during this time period. The only way to change your billing date is to cancel your policy, sign up for a new one, and change the start date.
How do I contact an insurance agent?
You can call (877) 577-0850 Monday through Friday, from 8 am to 8 pm ET. We are closed for major holidays.
How do I make changes to my policy?
You can log in to app.homebody.com to make most changes or call our agency team at (877) 577-0850. Some changes, like address changes, can only be done via phone. You also have the ability to transfer your policy to another rental property or switch to homeowners insurance if you’ve recently purchased a home.
Is my personal property covered with a Homebody renter's insurance policy?
In order for your personal possessions to be covered you must have at least a minimum selected under "Personal Contents" coverage e.g. $10,000. If you select "Liability Only" you will not have coverage for your personal possessions.
When do I receive my policy?
The proof of insurance/declaration page is available after the first payment has been processed. This typically takes 24 hours. The full policy packet will be sent 2 weeks after your policy’s start date.
When does my insurance policy end?
All policies will remain active until they are canceled by the policyholder or we are no longer able to process payments and the policy lapses.
Homebody Insurance
One agency.Total coverage.
Renters Insurance
Protect your belongings, cover liability, and get temporary housing if disaster strikes.
Car Insurance
Comprehensive and liability coverage for your vehicle, bundled with your renter life.
Pet Insurance
Vet bills, accidents, and illness coverage so you can focus on your pet, not your wallet.
Jewelry Insurance
Specialized coverage for engagement rings, watches, and valuables beyond what renters covers.
Life Insurance
Term and whole life policies that protect the people who depend on you, starting younger than you think.
Device Insurance
Cracked screens, theft, and mechanical failure covered for your phone, laptop, and more.
Homeowners Insurance
Full dwelling and liability coverage when you're ready to make the move from renting to owning.
RV Insurance
Whether it's a weekend camper or full-time home on wheels, we've got coverage for how you live.
