Imagine you return to your apartment after a vacation and find your home was broken into and your TV, computer, and other personal items were stolen. Maybe you get home from work to find a pipe burst in your apartment causing significant water damage to your belongings. If you're renting a property, your landlord's homeowners insurance will cover any damage to the structure, but not your personal property. Renters insurance is your trusty sidekick to help you recover financially from devastating situations like these.

This coverage is a smart purchase for all people renting an apartment, condo, or living in a dorm if you don't want to be left footing a hefty bill to replace your items after an unforeseen disaster. Many reputable insurance companies such as Progressive, offers renters policies eligible for a bundle discount with home, auto, and other policies.

Progressive renters insurance has options to cover personal property from losses resulting from vandalism, theft, backed-up sump pumps, fires, and additional damages to personal belongings and bodily injury incurred in related incidents for an average cost of as little as $1 a day -- that's less than your daily cup of coffee.

What should you know about Progressive Renters?

Progressive renters insurance products are provided through third-party insurers. Customers can get renters insurance products from many other licensed insurance companies through Progressive. Policies are generally below $200 unless you add on extra insurance riders. With insurance riders, rates can rise significantly.

Progressive renters insurance ranks No. 5 on our list of best renters insurance companies for 2019. Progressive was also ranked on our list of best homeowners insurance companies for 2019, checking in at No. 5.

Standard renters insurance coverages with Progressive includes coverage for personal possessions and valuable belongings, loss of use (or temporary living expenses) if you're unable to stay in your apartment while repairs are being made, personal liability coverage, and medical payments coverage. A Progressive renters policy can offer optional coverages you can add to your policy based on your needs. Optional coverages include water back-up coverage for sump pumps and sewers, personal injury coverage to cover lawsuits and legal fees, and added personal property coverage for expensive items, such as jewelry or art.

What are Clearsurance users saying about Progressive renters innsurance?

As of December 18, 2020, Progressive renters insurance has earned an average Clearsurance score of 4.13. You can see the most up-to-date rankings on our renters insurance rankings page.

Dealing with a mishap in your apartment is stressful enough, and you want to make sure your claims process goes smoothly. Less than 1 percent of reviews of Progressive renters insurance discuss a claim dispute. Customers tend to be satisfied with the way their claims are handled with Progressive.

One customer remarks on their Progressive renters insurance claims experience in a Clearsurance review saying, “Was great while I used them for renters insurance. Always handled any claims promptly and efficiently.”

How can Progressive renters insurance help you?

Progressive renters insurance can come to the rescue to help you repair or replace items or personal property damaged in a covered peril in your apartment. It may be unimaginable that something could happen to you, but you should always be prepared for the unexpected, and Progressive renters insurance can help you with that with good coverage limits at a reasonable price. Standard renters insurance covers the liability and property replacement most renters need.

One Clearsurance user discussed their experience with Progressive's renters insurnance coverage saying, “Progressive helped me recover my personal property losses after water damage to my apartment. My landlord was renovating the plumbing in my unit and had failed to properly secure a fixture in my bathroom. When I arrived home, I was met with a flooded bathroom with water drenching my bedroom and electronics I placed on the ground. Luckily my renter's insurance policy covered my losses and provided me with a complete replacement of my lost valuables. Having never filed a renters insurance claim before, I was surprised by how responsive and quick the payout was for my claims. I was able to get back on my feet within a few weeks with the peace of mind that if such accidents occurred again, I would be covered.”

How can you save money on a Progressive renters insurance policy?

The simplest way to get the cheapest policy is by going with a basic plan with no additional coverage. Whatever coverage you need, the cost of renters insurance doesn't have to be high. Progressive offers bundling and other renters insurance discounts if you know where to look.

It's easy to add renters insurance to a Progressive car insurance policy. If you bundle an auto policy and renters types of coverage, you can receive a discount of 5 percent or more. Additional ways to save include getting a renters insurance quote ahead of time (at least three days before your policy will start), paying your policy in full upfront, getting your policy documents by email, and living in a secured or gated community. The discount opportunities offered through Progressive renters insurance vary by state.

One Clearsurance user talked about their bundling discount with Progressive renters insurance saying, My apartment complex required me to have a renter's insurance policy before I could move in. Progressive made it very easy to add in just a few minutes. By the time I was finished, I ended up with a discount on on my auto insurance policy that more than covered the small additional cost of the renter's insurance.”

If you're looking to secure your stuff, you can choose affordable renters insurance from Progressive. Coverages go beyond your personal belongings and will cover medical bills if someone is injured on your rental property and you are liable. It will even pay for additional living expenses if your home becomes uninhabitable due to a covered loss.

Renters insurance is designed to cover unexpected events, including theft of your personal property. When you receive a quote for a renters insurance policy with Progressive, you can customize your coverage and limits.

If you'd like to learn more about what it's like to have a policy with Progressive, read more Progressive reviews from consumers. Additionally, you can write your own review if you have an experience that you’d like to share to help other consumers. Also, make sure to check out Clearsurance's rankings page for the best renters insurance policies in your area.

Whenever you're shopping for an insurance policy, always make sure to get multiple quotes and talk to an insurance representative. Online quotes help you narrow your choices and compare options. Then an agent can help you set up a plan individualized to you with the coverages and discounts you want. If you're on the market for new auto policies or life insurance, agents can help you with that too.

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 an insurance company 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 insurance company or any individual attorney.