Lemonade Renters Insurance in Columbus, OH
Renting near Short North? Protect your stuff with Lemonade renters insurance in Columbus from just $21/month.
What does Lemonade renters insurance in Columbus protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Buckeyes & punching your TV.
What does renters insurance cover in Columbus?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Columbus?
As of 2025, Lemonade renters insurance in Columbus typically averages between $21 and $25 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Columbus renters?
Protection built for Midwest life and city risks
Severe weather protection
Wind, hail, and (some) water damage when Ohio's storms and tornadoes hit
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Tornado displacement
Severe weather evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in Columbus?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Columbus rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Columbus hotel will run you $843*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Columbus?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Columbus residents benefit from coverage:
Ohio State students
College is expensive enough without replacing stolen laptops or textbooks. Your landlord’s insurance won’t cover your belongings, but renters insurance will. Plus, you’re covered if someone gets injured during study sessions at your place.
State government employees
Working for the State of Ohio means you understand the importance of proper coverage and documentation. Renters insurance protects your furniture, electronics, and personal belongings from theft or damage. Plus, liability coverage protects you when colleagues visit for work events or gatherings.
Tech professionals
Working in Columbus’s growing tech scene means you have valuable personal electronics at home. Renters insurance protects your gaming systems, furniture, and belongings from theft or damage, plus covers liability if colleagues visit your place. It’s smart protection for Ohio’s emerging tech hub.
Food service workers
Working in Columbus’s vibrant restaurant and food truck scene means you understand how quickly things can change. Renters insurance covers your belongings when you’re pulling kitchen shifts, plus liability protection if coworkers visit after work. It’s affordable coverage that fits any budget.
Remote workers
Columbus’s affordable cost of living and diverse neighborhoods make it perfect for working from home. Renters insurance covers your personal electronics and home office furniture whether you’re renting in German Village or Short North. Many policies even include temporary housing coverage to keep your setup uninterrupted.
What’s the best renters insurance in Columbus?
We might be biased, but Lemonade was designed to shine for Columbus renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Columbus Renters: By the Numbers
Real data from our customers:
Columbus Renters Insurance FAQs
What's the average cost of rent in Columbus?
According to Zumper*, the average cost of rent in Columbus is $1,421. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in Columbus based on your property type:
- Apartment: $1,350
- Condo: $1,599
- House: $1,895
How does renters insurance work in Columbus?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for Columbus residents:
- Document damage: When disaster strikes in Columbus, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Does renters insurance cover my belongings if damaged by a fallen tree from a thunderstorm in Columbus?
Yes, your belongings are covered if a tree falls and damages your stuff during those intense Midwest thunderstorms. Between 1980 to 2024, severe storm events were the most common cause of weather-related disasters in Ohio with losses exceeding $1 billion. Whether it crashes through your window or damages items on your patio, your renters insurance has you protected.
Will my phone be covered if stolen from my car at Nationwide Arena?
Yes, your phone is covered whether stolen from downtown parking, your apartment, or anywhere else. With the chance of experiencing property crime in Columbus being 1 in 36, renters insurance coverage is especially valuable and cheer on the Jackets without worrying about your stuff.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
Continue Reading
What Does Renters Insurance Cover
Renters insurance may cover more than you think.
How Much Is Renters Insurance in 2025?
Hint: Renters insurance costs much less than you think.
How to Get Renters Insurance
Signing up is much easier and simpler than you think.
Car and Renters Insurance Bundle
Combine forces to unlock savings and convenience.
What is Renters Insurance and How Does it Work?
Breaking down the ins and outs of renters insurance.
Renters Insurance in Ohio
Cover your stuff in the Buckeye State.