Assurant Renters Insurance Review (2020)

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Although Assurant has fewer years of experience than other big names in the insurance industry, it offers lower deductibles and a wider range of coverage. Read our Assurant renters insurance review to learn if the company is the right fit for you.

A typical renters insurance policy offers protection when an accident causes damage to you and your belongings or someone else and their belongings. Assurant renters insurance offers standard coverage plus coverage for items like mold, pet damage, and rent protection.

The This Old House Reviews team has taken an in-depth look at Assurant renters insurance to help you determine if Assurant is the best renters insurance company for you.

Pros and Cons of Assurant Renters Insurance

Here are a few benefits and drawbacks of an Assurant renters insurance policy:

Assurant Coverage

Assurant’s renters insurance policy is named-peril, which means you can only file a claim for the covered events listed below:

  • Fire
  • Lightning
  • Smoke
  • Explosion
  • Theft
  • Windstorm or hail
  • Vandalism
  • Falling objects
  • Ice, snow, or sleet
  • Pipe bursts
  • Cracked air conditioning, water, or heating system
  • Freezing
  • Vehicles
  • Power surge
  • Riot or civil commotion
  • Aircraft
  • Volcanic eruption

If one of these events were to occur, your policy covers personal property, loss of use, liability insurance, and medical payments to others.

  • Personal property—This portion of the policy covers the cost of replacing your belongings if a fire were to destroy them or a person were to steal them. To know how much of this type of coverage to get, take an inventory of your belongings, estimate their value, and add the costs together.
  • Loss of use—Also known as additional living expenses, this part of your policy will reimburse you for temporary rental costs if your landlord has to repair or replace building components that were damaged in an accident.
  • Liability—If you’re liable for an accident that caused bodily injury or damage to someone’s personal property, Assurant will cover the costs. An example of this would be if your dog bit a neighbor and your neighbor had to get stitches. This part of your policy is required by most landlords so that they don’t get held accountable if an accident occurs.
  • Medical payments to others—If someone gets injured in your home, your policy will cover some or all of their medical bills.

Here are the coverage amounts available for North Carolina residents:

Assurant Additional Coverage

If you want to add coverage to your renters insurance policy, you can add the following items:

  • Pet damage—If your pet damages a part of the rental property, this add-on will cover the repair expenses.
  • Water sewer backup—This covers damage caused by backed-up sewage.
  • Earthquake—If an earthquake damages your belongings, this add-on will cover the repair or replacement costs.
  • Identity theft expense—If your identity is stolen, costs like legal fees will be covered by Assurant.
  • Rent protection—If you’re involuntarily out of work and can’t pay rent, your renters insurance policy will cover rent for you.

How Much Does Assurant Cost?

Assurant doesn’t publish what the average customer pays for renters insurance coverage on its website. However, Assurant is a provider of Geico renters insurance, and Geico says its policy costs as low as $12.

To confirm pricing, the This Old House Reviews team request an online quote directly from Assurant using information for a one-bedroom apartment in Raleigh, North Carolina:

When getting your own quote, have the following information ready:

  • Name
  • Address
  • Date of birth
  • Email address
  • Building material
  • Pets
  • Type of rental
  • Recent renters insurance claims

Customer Service and Claims Support

Assurant has a mobile app and a customer portal that allows you to manage your policy and claims process. If you would prefer to talk to a customer representative, you can call 800-358-0600 for claims or 888-260-7736 for general questions. You can call the claims phone number to file a claim at any time, but your claim will be processed Monday through Friday from 8 a.m. to 8 p.m. The line for general questions has the same hours.

Compare Assurant to the Competition

If you’re not sure whether Assurant is right for you, compare it to other top-rated renters insurance companies below.

Our Conclusion

Since Assurant provides renters insurance to Geico customers, you can expect the base policies for Assurant and Geico to look the same. When deciding which provider to buy through, consider additional coverage options and customer service.

Geico has taken Assurant’s policies and improved the customer experience by offering 24/7 customer service and by helping customers decide how much personal property coverage to get with their proprietary calculator tool. On the other hand, Assurant offers unique additional coverage options to direct customers for items like rent protection and pet damage.

Regardless of which company you prefer, we recommend getting quotes from at least two other providers so that you can compare coverage, pricing, and customer service:

Assurant Overview

  • CEO: Alan Colberg
  • Years in business: 16
  • State availability: 50
  • Address: 11222 Quail Roost Drive
  • City/State: Miami, FL
  • Zipcode: 33157
  • A.M. Best financial strength rating: A

Frequently Asked Questions About Assurant

Does Assurant offer unique coverage?

Yes. Assurant covers damage caused by mold, fungi, and dry rot. Residents in select states can also get coverage for flood, food spoilage, and bed bugs. This is rare because most renters insurance companies make you purchase extra protection for those areas or don’t cover them at all.

How do I transfer my renters insurance to a new location?

Assurant allows you to transfer your policy to a new rental property. If you log into your customer portal, hover over “my policy” and click “moving” to change the address of your policy. If you bought a home and no longer need renters insurance, you can cancel your policy.

What documentation do I need to provide my landlord?

Once you’ve purchased a renters insurance policy, you can use the declaration page as proof of insurance. Some insurance providers also allow you to add your landlord to the policy while you’re using their online quote tool.

What is the difference between renters insurance and homeowners insurance?

Both types of policies protect your belongings, but the biggest difference is that home insurance also protects the building itself. Since you don’t own the building as a renter, your landlord gets insurance to protect it.

Can roommates share renters insurance?

Yes. Most insurance providers allow you to add a roommate to your policy. However, with double the amount of belongings, you may exceed the amount of personal property coverage that the company allows.

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