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Sage finds renters insurance that covers what you actually own. Cheap, fast, in one conversation.

Compare carriers and coverage for what you own. Tell Sage what you'd have to replace and whether your lease requires a policy; it sizes the coverage and hands you to real carrier quotes when you're ready.

What does it cover?I have roommatesWhat does it cost?My landlord requires itBundle with my auto

All 50 states · Carriers you already know · Answers before anyone asks for your phone

Carriers you already know

How it works

  1. Tell Sage what you'd have to replace

    A rough total for furniture, electronics, clothes, and anything valuable. That sets the personal-property limit.

  2. Set the liability and the deductible

    What your lease requires, what a guest injury or a kitchen fire could cost, and the deductible you'd be comfortable paying.

  3. Compare quotes, or add it to your auto

    A short form takes you to partner carrier prices. If you already have auto, the multi-policy discount is usually the cheapest route.

Straight answers, with the numbers

The questions people actually ask about renters insurance, answered first. Guides carry dated figures; the carrier sets the final price.

Browse by state (50 states)

Average rates and the carriers that write the most renters business, state by state.

Two ways to start

Short quote form Your address, what you own, and the liability you want. Then prices from partner carriers, side by side. 60 sec Get quotes Ask Sage first Sage explains what the policy covers, what your lease actually requires, and takes you to the same quotes when you're ready. No time limit Ask Sage

About PolicyChat for renters

PolicyChat is an insurance marketplace. Renters quotes come from partner carriers and marketplaces, not from us; Sage is the assistant that explains the coverage, sizes the personal-property limit from what you own, and hands you to the quote form when you ask. What Sage tells you is an explanation, not a quote: the carrier sets the price.

Have this handy

Your lease (the insurance clause, if there is one), a rough total for what you own, and your auto policy if you have one, so Sage can check the bundle. That is all; renters quotes ask for very little.

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