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Best Renters Insurance in Cleveland, OH

June 27, 2019, 2:32 p.m.

If you rent an apartment or home in Cleveland, it’s smart — and cheap — to carry renters insurance. Having a policy gives you financial security in case of theft, vandalism, fire or other events. It also provides liability coverage. Our partners at ConsumerAffairs researched the best renters insurance in Cleveland so you have protection from a trustworthy provider.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. News 5 Cleveland may receive compensation from our partners. Learn more.

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Policygenius

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Policygenius
Policygenius
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  • Best rates all in one place
  • Helped over 4.5 million customers
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  • Available in Cleveland
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Location
Serves residents in
Cleveland, OH
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Cleveland
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Location
Serves residents in
Cleveland, OH
(855) 522-3444
State Farm: Justin Ragor
State Farm: Justin Ragor
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • ragorinsurance.com
Location
3878 Rocky River Dr., Ste. 4
Cleveland, OH 44111
(216) 251-5300
Nationwide: Sam J. Saraniti
Nationwide: Sam J. Saraniti
Features
  • M-F: 9am - 5:30pm
  • Sat: 9am - 12pm
  • Closed Sun
  • agency.nationwide.com
Location
2120 Rosa L. Parks Blvd.
Cleveland, OH 44109
(216) 281-3900
Evarts Tremaine
Evarts Tremaine
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • evartstremaine.com
Location
1111 Superior Ave., Ste. 420
Cleveland, OH 44114
(216) 621-7183
Allstate: Tanya D. Howard-Grace
Allstate: Tanya D. Howard-Grace
Features
  • M-Th: 9am - 6pm
  • F: 9am - 5:30pm
  • Closed Sat and Sun
  • agents.allstate.com
Location
2490 Lee Blvd., Ste. 101
Cleveland Heights, OH 44118
(216) 371-2204
Farmers Insurance: Earl Soroka
Farmers Insurance: Earl Soroka
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/oh/cleveland
Location
1621 Euclid Ave., Ste. 408
Cleveland, OH 44115
(216) 452-0885
Nationwide: Joseph R. Potts
Nationwide: Joseph R. Potts
Features
  • M-F: 9am - 5:30pm
  • Sat: 10am - 1pm
  • Closed Sun
  • agency.nationwide.com/joe-potts-in-cleveland-oh
Location
12300 Lorain Ave.
Cleveland, OH 44111
(216) 251-7374
Allstate: Nanci Cieckiewicz
Allstate: Nanci Cieckiewicz
Features
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • agents.allstate.com
Location
4719 State Rd.
Cleveland, OH 44109
(216) 739-0990

How to choose rental insurance in Cleveland

Cleveland skyline

About 37 percent of households in Cleveland rent. Only about half have renters insurance.

Renters insurance protects you from financial loss if a covered event causes loss of personal property. It also includes liability coverage if you are found legally responsible for an injury at home or if you damage someone else’s property. Renters insurance also pays for additional living expenses if a covered event makes your home uninhabitable.

The most common renters insurance claims are made after fires, theft and vandalism. Other events, or perils, that are covered usually include:

  • Smoke
  • Lightning
  • Windstorms and hail
  • Explosions or damages from an aircraft or vehicle
  • Falling objects
  • Weight of snow, ice or sleet
  • Water damage

Before purchasing renters insurance in Cleveland, you should take several steps. Make an inventory of your belongings to determine how much personal property coverage you need, and think about how much liability coverage is necessary to protect your assets. Most renters choose a personal property coverage limit between $20,000 - $40,000 and $100,000 in liability coverage.

You also need to decide if you want personal property coverage that pays out replacement costs (the full amount required to buy a new item) or actual cash value (the value of the item at the time of loss, including depreciation). A policy with replacement cost coverage will cost more.

Don’t forget to ask the property manager if the property has special renters insurance requirements, like for coverage amounts or naming an additional insured party.

How much does renters insurance in Cleveland cost?

Renters insurance is affordable. The average monthly premium for renters insurance in Cleveland is $12 - $17.

The amount you pay is based largely on the coverage you select, the deductible amount, your claims history and the area and property where you live. Renters insurance is slightly more expensive closer to downtown than it is in popular suburbs such as Strongsville, Beachwood, Rocky River and North Ridgeville.

Compare quotes from several companies before signing up for renters insurance in Cleveland, reading over the policies closely so there won’t be any surprises. If you have high-value possessions like jewelry or art, make sure to ask about scheduled personal property coverage.

Policygenius

Policygenius

PolicyGenius is an online, independent broker that has helped over 4.5 million people shop for insurance. Get recommendations for coverage amounts, review quotes with clear policy explanations and buy renters insurance using secure online payment. Discounts are available to help you save. Customers say the PolicyGenius process is fast and easy, and they like the online educational resources.

EverQuote

EverQuote

EverQuote is the largest online insurance marketplace in the U.S. and has handled over 35 million quote requests from consumers. Just fill out a bit of information about your apartment or rental home, and the company will connect you with insurers in Cleveland. Quotes for renters insurance are available in minutes. Customers like the number of policy options, but some users mention a high number of phone calls and emails from agents.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.