Find Renters Insurance in Your State
Lemonade offers renters insurance across the U.S., with coverage details and average costs for every state we serve. Find your state below, or enter your zip code to see what renters near you pay.
Browse renters insurance by state
Every state guide covers what renters insurance costs there, what it protects against locally, and how to get covered. Pick your state to read the guide.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Why renters across the country choose Lemonade
From New York to California, renters in all 50 states trust Lemonade for fast quotes, straightforward coverage, and claims that actually move.
How your location impacts renters insurance coverage
Renters insurance is regulated state by state, so a policy in Texas isn’t built quite the same way as one in New York. Insurers use local claims data to set premiums based on how often, and how seriously, things tend to go wrong in a given area. Here’s how that plays out across the country.
Florida, Texas, and the Gulf Coast
Policies in these states typically account for hurricane and windstorm exposure. You may see "named storm" deductibles that apply separately from your standard deductible during hurricane season. Louisiana renters, for example, tend to pay higher rates, largely due to the frequency and cost of storm-related claims.
California, Oregon, and the West Coast
Wildfire risk is often a significant pricing factor here. Standard renters policies typically cover fire damage, but proximity to fire-prone areas may affect your quote and, in some cases, your available coverage options.
New York, Chicago, and other dense cities
In dense cities, theft and vandalism rates can influence premiums. Older multi-unit buildings may also carry higher fire risk, which can factor into pricing. The same apartment in Manhattan may cost more to insure than a comparable one in a rural upstate town.
Find renters insurance in your state
Lemonade offers renters insurance in all 50 states. Policies start at $5/month.
Renters insurance by state FAQs
Does Lemonade cover renters insurance in all 50 states?
Yes. Lemonade offers renters insurance in all 50 states and Washington, D.C. Enter your ZIP code above to see local pricing and get a quote in minutes.
How does my zip code affect my renters insurance rate?
Your ZIP code tells Lemonade a lot about your risk profile. It factors in local crime rates, weather history, the age and density of buildings in your area, and the cost of replacing property in your city or state. Two renters in the same city can pay different rates based on their specific neighborhood. That’s why using your ZIP code gives you a more accurate quote than a statewide average.
How do I find renters insurance near me?
Enter your ZIP code in the tool at the top of this page. It’ll show you the average cost of Lemonade renters insurance in your city or state, and let you get a quote in minutes. Prefer to read up first? Select your state from the grid above for a guide to local coverage, costs, and common risks.
Is Lemonade renters insurance available in my city?
Yes! Lemonade renters insurance is available in cities across all 50 states and Washington, D.C. Whether you’re renting in a major metro or a smaller town, if you’re in the U.S., you’re covered.
Does renters insurance vary by state?
Yes. Renters insurance is regulated at the state level, meaning coverage requirements, available add-ons, and deductible structures can differ depending on where you live. Some coastal states, for example, may include separate windstorm or named-storm deductibles that don’t apply elsewhere. Each Lemonade state guide above explains what’s typical for renters in that state.
Continue Reading
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of the policies issued, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states. Please note that statements about coverages, policy management, claims processes, Giveback, and customer support apply to policies underwritten by Lemonade Insurance Company or Metromile Insurance Company, a Lemonade company, sold by Lemonade Insurance Agency, LLC. The statements do not apply to policies underwritten by other carriers.