When moving into an apartment, many people don't think of renters insurance policies. It's easy to forget how important a good renters policy can be. While you don't need to cover the structure of your home, you could suffer serious financial issues if you're robbed, your house catches on fire, or the many other things homeowners file claims for. Unlike the homeowner, your belongings are not protected by the house policy. This is where renters insurance comes in.

A policy of this type protects your personal belongings in the event your apartment is burglarized or damaged by any number of possible disasters. By purchasing coverage, you'll be reimbursed for the replacement costs on items damaged or stolen in your apartment that are covered by your policy. Depending on your policy, you may also get additional living expenses or medical payments.

Many reputable insurance companies offer renters insurance, such as AAA. AAA renters insurance covers a variety of different losses and is usually very affordable. One Clearsurance reviewer who purchased an AAA policy put it simply when saying, “The price is fantastic. No complaints. Will choose again in future.”

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What should you know about AAA renters insurance?

AAA offers a variety of other insurance lines that you can bundle to save money, such as car and homeowners insurance. In fact, AAA ranked as the seventh-best car insurance company for 2018, according to consumers, and the ninth-best homeowners insurance company.

Personalized renters insurance from AAA provides personal property coverage, personal liability coverage, and protects you from other covered perils. AAA also offers several other coverage options, including things like an insurance rider for expensive items that exceed the standard amount of personal property coverage. Clearsurance reviewers found AAA policies to be inexpensive for the most part, with one reviewer saying, “If you are looking for a good price then this is a good insurance company and policy. I have worked with many other companies and by far am the most pleased with AAA.”

What do Clearsurance users say about AAA renters insurance?

As of July 2019, the company has a Clearsurance score of 4.03. (For the most up-to-date rankings, visit our renters insurance rankings).

One of the biggest positives of purchasing AAA renters insurance is the comfort of knowing you're covered if disaster strikes. When reviewing their AAA renters policy, 11.4 percent of Clearsurance users talked about the peace of mind it gave them, and over 21 percent mentioned the ease of the process of obtaining the coverage. Less than 1 percent of reviewers talked about a rate increase or a claim dispute with AAA.

One reviewer who had to make a claim through their AAA policy said, “Somebody broke into our house and stole some TV's and game systems and they gave me back the value of our items to buy new ones!”

Is AAA renters insurance available for college students?

College students, whether living on or off campus, should strongly consider buying renters coverage to go with their auto insurance. If you live in a dorm, you may still be covered under your parents' homeowners policy. If you aren't sure, you should always double check before assuming you're covered or not. Dorms and apartments can be broken into or have personal items damaged by burst pipes, fires, or other disasters. Ultimately, the university or your landlord isn't responsible for replacing them for you.

A renters insurance policy, with or without additional coverage, can come at a small price for college students when compared to the cost of replacing a laptop or other valuables. For many students living independently, annual rates are in the low hundreds. If you're covered under your parent's homeowners policy, though, there's no reason to spend the extra money.

One student who purchased renters insurance from AAA said, “I am a college student, and I rented out an apartment for the school year with 1 other rooommate. The apartment property requires that all residents purchase renters insurance and provide valid proof of purchase. I have never purchased insurance on my own before so I was quite lost as to how and what I should do to buy insurance. When they guided me through the whole process, I knew AAA was for me. The assistant promptly emailed me proof of renters insurance immediately after purchase, and I was able to give my apartment front office the needed paperwork immediately. It was very hassle free and an experience I would likely revisit again in the future.”

How can you save money with AAA?

AAA offers a number of discounts for renters insurance policyholders, making it very competitive. The company offers a discount to renters who install any kind of home security device, including alarms, security cameras, or fire extinguishers. The biggest way to save on your AAA renters insurance is by bundling with other types of coverage. AAA offers lower renters insurance quotes for those who bundle renters and auto, with one Clearsurance user saying, “Fortunately, I've never needed to use my renter insurance, but I'm glad to know I have it. AAA gives a multi policy discount since I also have auto ins. with them, the discount makes my bill lower than it would be other wise, so that's a plus.”

Having renters insurance to protect you and your belongings while renting is a smart choice. You can learn more about why many other people choose AAA to protect their personal items by reading AAA renters insurance reviews on Clearsurance. If you have an experience with AAA or another provider you want to share with the Clearsurance community, be sure to write a review about your rental insurance coverage.

To learn more about renters insurance in your state, be sure to visit Clearsurance's cheap renters insurance rankings page to see the best renters insurance companies in your zip code.

Does renters insurance with AAA make sense for you?

If you're moving out on your own or otherwise in the market for renters insurance, start shopping early. You don't want to wait until after you suffer property damage to find an affordable policy that makes sense for you. AAA offers competitive rates and coverage.

For the best coverage that makes sense for you, get a few quotes and compare your options today. Just enter your zip code in our calculator to get started.

The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from a company, insurance agent, or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the company or any individual insurance agent, or attorney.

The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from a company, insurance agent, or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the company or any individual insurance agent, or attorney.