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1. Personal Property Value
Estimate the total replacement cost of all your belongings — furniture, electronics, clothing, appliances, and any other items you own. A good starting point for a typical apartment is $20,000–$30,000.
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2. Unit Size
Enter the square footage of your rented home. Larger spaces attract a slightly higher premium. Typical studio apartments are 300–500 sq ft; 2-bedroom apartments average 800–1,200 sq ft.
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3. State
Select the US state where your rental is located. Premiums vary significantly by state due to weather risk, local crime rates, and litigation environment. Louisiana and Florida tend to be more expensive than average.
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4. Building Type
Select the type of property you rent. Apartments in multi-unit buildings are rated lowest. Single-family houses carry a slight surcharge due to greater exposure.
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5. Deductible
The amount you pay out-of-pocket before insurance pays a claim. A higher deductible lowers your monthly premium but increases out-of-pocket costs if you file. $500 is the most common choice.
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6. Liability Coverage
Covers legal costs if someone is injured in your home or you accidentally damage someone else's property. $300,000 is commonly recommended.
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7. Discounts
Check every discount that applies — they stack and can reduce your premium by up to 30% combined. Bundling with auto insurance is usually the biggest single discount available.
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8. Military / Veteran
Check this if you or your spouse are active military, a veteran, or an eligible family member. This unlocks USAA — historically the highest-rated insurer in the US for customer satisfaction.
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9. Reading the Results
Results are sorted cheapest-first. The "Best Price" badge marks the lowest estimate. Each card shows the monthly and annual estimate, AM Best rating, JD Power score, and key features. Click "Check Latest Quotes" to get a live quote from that insurer.
💡 Tip: These are estimates based on industry averages. Always get 2–3 live quotes before purchasing a policy.
