Assurant Renters Insurance Review 2026

Assurant renters insurance earned 3.5 stars out of 5 in our analysis. Assurant's policies include coverage that other insurance companies charge extra for (or don’t offer at all). Having coverage for bedbug or mold damage can add value to your premium.

But there are drawbacks. First, the company draws a very high rate of consumer complaints. Great coverage may not matter if your claim experience is frustrating.

Second, Assurant doesn’t have a mobile app. Renters who like the convenience of managing their policy on their phones will have to use the insurer’s website instead.

Best for: Renters who want to buy and customize their coverage quickly online. Assurant may also be a good choice for people with a checkered credit history. While other insurers charge higher rates to renters with poor credit, Assurant doesn’t check your credit at all.

Not ideal for: Those who want a company known for strong customer service.

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Assurant renters insurance covers your stuff for fire, theft and other scenarios. It also comes with personal liability coverage in case your dog bites someone or a guest gets hurt in your home. These types of coverage are standard parts of a renters insurance policy. (Learn more about what renters insurance covers.)

But Assurant goes beyond the basics with several types of coverage most insurers don’t include:

Replacement cost coverage for personal belongings. If you have to file a claim, Assurant will pay enough money to buy brand-new items. Some companies offer actual cash value coverage, which pays less for items that have lost value over time.

Mold coverage. Assurant covers liability claims and damaged belongings due to mold.

Coverage for your roommate. You can add your roommate to your policy at no extra cost. Just be sure you’ve got enough coverage for everyone’s stuff.

Bedbug coverage. Although most renters insurance doesn’t cover bedbugs, Assurant will pay for extermination and other costs. in some states

Spoiled food coverage. Depending on where you live, you may also have coverage for spoiled food if your power goes out.

Additional living expenses after a flood. If you have to move out of your home due to flood damage, Assurant may help you pay for somewhere else to live.

Optional Assurant renters insurance coverage

You can add optional coverage to your policy for the following scenarios:

• Damage caused by pets.

• Identity theft expenses.

• Earthquake damage.

• Damage from a backed-up drain or sewer.

Liability-only coverage

Looking for a cheaper renters insurance policy? If you live in one of Assurant’s partner properties, you can choose the company’s Liability Only policy. This no-frills option won't cover your personal belongings, but it will cover damage that you cause by accident, either to your own unit or a neighbor’s.

Say you unintentionally start a kitchen fire. The policy might pay to replace your apartment’s charred walls and cabinets, but not your oven mitts.

It also covers personal liability expenses if your dog bites a guest.

What’s not covered

Assurant renters insurance won’t cover you if you rent out your space on sites like Airbnb. (You may need business insurance for that.)

It also won’t cover anything other than the specific scenarios listed in your policy. So if you haven’t bought the optional earthquake coverage, for example, it won’t pay for earthquake damage.

Keep in mind that renters insurance never covers regular wear and tear or deliberate damage on your part.

» MORE: 6 reasons you shouldn't skip renters insurance

Assurant renters insurance is available in all 50 states plus Washington, D.C.

Availability may change at any time. Coverage may not be available to all renters in a given state.

You can save on fees by paying your renters insurance premium all at once, upfront, rather than on a monthly or quarterly basis.

You may also be eligible for a credit if you buy an Assurant policy while living in a community that requires you to have renters insurance.

One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Assurant scores poorly on this measure, drawing a very high proportion of home insurance complaints compared to other U.S. insurers.

We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.

» MORE: Can I share renters insurance with my roommate?

Website: You can get a quick Assurant renters insurance quote on the company’s website. There's also useful information about what your policy covers. Once you’re insured with Assurant, log in to update coverage limits, change your payment method and see policy documents.

Mobile app: Assurant doesn’t have an app.

You can file claims online or by phone at 800-358-0600.

Phone: You can call Assurant’s customer support line at 888-260-7736. Agents are available on weekdays between 8 a.m. and 8 p.m. ET.

Chat: The company has a chatbot that can answer simple questions.