Easy, Affordable Renters Insurance.
For less than the cost of a streaming subscription, you can protect everything you own from theft, fire, and liability. Allstate renters insurance is one of the most affordable policies you can buy and includes programs most renters don't know about.
Coverage That Works for You
Personal Property Coverage
Covers your belongings — Furniture, electronics, clothing, kitchen items — Whether they're in your apartment, in your car, or with you while traveling. If they're stolen, damaged by fire, or destroyed by a covered event, allstate helps you replace them.
Personal Liability Coverage
Protects you financially if someone is injured in your apartment or if you accidentally damage someone else's property. Covers legal defense costs, settlements, and medical bills — Typically starting at $100,000.
Guest Medical Payments
Pays for minor medical expenses if a guest is injured in your rental — Regardless of who's at fault. Covers things like a friend tripping over a rug without them needing to file a lawsuit.
Additional Living Expenses
If a covered event (fire, major water damage) makes your rental uninhabitable, this pays for temporary housing, hotel stays, restaurant meals, and other costs while your place is being repaired.
Identity Theft Restoration
Allstate identity protection is available as an add-on. If your identity is stolen, you get access to a dedicated specialist who helps restore your credit, dispute fraudulent charges, and navigate the recovery process.
Replacement Cost Coverage
With replacement cost coverage, allstate pays to replace your damaged or stolen items with new equivalents at today's prices — Not the depreciated value. So a 3-year-old laptop gets replaced with a current equivalent, not valued at what a used one would cost.
Programs Only Allstate Offers
These aren't generic coverages — they're exclusive Allstate programs designed to save you money and reward safe behavior.
Deductible Rewards
Vanishing DeductibleGet $100 off your deductible the day you sign up. For each claim-free year, earn another $100 off — Up to $500 total. On a renters policy with a $500 deductible, you could reach $0 out-of-pocket in just a few years.
Claim-free Bonus
5% back for no claimsFor every year you go without filing a claim, allstate may give you 5% back on your renewal premium. On a renters policy, this is a small but meaningful reward for maintaining your space well. Availability may vary — Ask your agent.
Allstate Identity Protection
Identity Theft CoverageAvailable as an add-on to your renters policy. Includes credit monitoring, dark web surveillance, and a dedicated identity restoration specialist if your identity is compromised. Especially relevant for college students and young professionals who are frequent targets.
Discounts You May Qualify For
The most popular renters bundle is renters + auto. If you're a young professional or college student in high point or greensboro, bundling these two policies is often the single biggest discount available to you.
Multi-policy Bundle
Save when you bundle renters with auto or motorcycle insurance — One of the easiest ways to cut your total insurance cost.
Protective Device Discount
Smoke detectors, deadbolts, and fire extinguishers in your rental can qualify you for a lower premium.
Responsible Payer Discount
Pay your premium on time consistently and you may qualify for this loyalty-based discount.
Fullpay Discount
Pay your full annual premium upfront instead of monthly installments and save on service fees.
What's Covered — and What's Not
Understanding the boundaries of your policy helps you avoid surprises when you need coverage most.
Typically Covered
Typically Not Covered
Real Consequences
What Happens Without It?
the scenario
A fire breaks out in the apartment above yours in a High Point complex. The sprinkler system activates, but water pours through the ceiling into your unit, soaking your furniture, electronics, and clothing. The building is evacuated for two weeks.
without coverage
Your landlord's insurance covers the building — but nothing inside your apartment. Your $2,500 laptop, $1,800 TV, $3,000 in furniture, and $2,000 in clothing are all gone. You need a hotel for two weeks at $120/night — that's another $1,680. Total out-of-pocket: over $11,000 for someone else's fire.
with allstate coverage
Your Allstate renters policy reimburses you for the damaged belongings at replacement cost. Additional living expenses coverage pays for your hotel and meals while your apartment is being restored. Your liability coverage protects you if anyone claims the fire spread from your unit. All for what may be just a few dollars a month.
Real Scenarios, Real Answers
Insurance isn't one-size-fits-all. Here's how your coverage works in situations North Carolina residents actually face.
Hurricane Remnants Soak Your Apartment
A tropical storm remnant stalls over the triad, and wind-driven rain comes through a damaged window, soaking your laptop, tv, and couch. Your personal property coverage helps you replace the damaged electronics and furniture — Minus your deductible, which could be as low as $0 if you've been enrolled in deductible rewards.
Your Bike Is Stolen Outside a Greensboro Coffee Shop
You lock your bike at a rack outside your favorite greensboro coffee shop, and it's stolen while you're inside. Your renters insurance covers personal property theft even when your belongings are outside your apartment — So you can file a claim and get help replacing the bike.
A Guest Slips on Your Wet Bathroom Floor
A friend visits your high point apartment, slips on a wet bathroom floor, and sprains their ankle. Your guest medical payments coverage pays for their immediate medical expenses without them needing to sue. If they do pursue a claim, your liability coverage handles legal defense and any settlement.
A Kitchen Fire Forces You Out for Two Weeks
A grease fire in your kitchen causes smoke damage throughout your apartment, making it uninhabitable while repairs are made. Your additional living expenses coverage pays for a hotel and meals for the two weeks you're displaced, and your personal property coverage helps replace damaged clothing and furniture.
What the Numbers Actually Mean
Insurance limits can feel like alphabet soup. Here's a plain-English breakdown of what you're actually buying.
The maximum allstate will pay to replace your belongings after a covered event. Do a home inventory to make sure this limit covers everything you own — Most renters own more than they think.
Protects you if someone is injured in your apartment or you accidentally damage someone else's property. Covers legal defense and damages. Consider higher limits if you frequently host guests.
What you pay out-of-pocket before insurance kicks in. With deductible rewards, this can shrink by $100/year down to $0. A higher deductible means a lower monthly premium.
If a covered event forces you out of your rental, this is the maximum allstate will pay for temporary housing, meals, and related costs while your place is being repaired.
You Might Need This If...
See How It Works
What Does Renters Insurance Cover?
A standard renters insurance policy typically includes three types of coverage: personal property, liability, and additional living expenses. Watch Allstate explain the basics and why it matters.
Browse All VideosReady to Get Covered?
A 15-minute call is all it takes. We'll review your situation and build a quote that fits.
Disclaimer: The coverage descriptions on this page are general summaries intended for informational purposes only. They do not constitute insurance advice, nor do they modify, amend, or supplement any insurance policy. Actual policy terms, conditions, exclusions, and limitations vary by state and individual risk profile. Allstate products and discounts are subject to terms, conditions, and availability. Please refer to your specific policy documents for complete details, or contact us to discuss your coverage needs with a licensed agent.